Total monthly cost of ownership
Cost to Own a Home in Enigma, Georgia
A $85,000 home here costs
$858per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $37,000 a year.
A standard mortgage calculator would have told you $463. The real number is $394 higher every month, 85% more than the payment most buyers budget for.
Compare Berrien County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Enigma from a five-year rolling sample, and with about 1,423 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Berrien County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Enigma against Berrien County and Georgia
| Measure | Enigma | Berrien County |
|---|---|---|
| Median home value | $85,000 | $115,200 |
| Median property tax | $571 | $1,139 |
| Effective tax rate | 0.672% | 0.989% |
| Median gross rent | $1,007 | $771 |
| Population | 1,423 | 18,257 |
The weather behind that power bill
Enigma sits in Berrien County, which averages a high of 92.1°F in its hottest month and a low of 38.6°F in its coldest, with 48.41" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,409 cooling and 1,649 heating degree days, which is what sets the $171 electricity line above.
See the full climate breakdown for Berrien County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Berrien County
Full Berrien County cost breakdown · Every county in Georgia
Talk to someone who works this market
These are Enigma averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Enigma every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Enigma I already own here and may sell
Common questions
How much does it cost to own a home in Enigma?
A $85,000 home in Enigma, Georgia costs approximately $858 per month with 20% down at 7.24%. That is $463 principal and interest, $48 property tax, $37 homeowners insurance, $239 utilities and $71 set aside for maintenance.
What is the property tax rate in Enigma?
Enigma has an effective property tax rate of 0.672%, based on a median home value of $85,000 and median real estate taxes of $571. That is lower than the Berrien County average of 0.989%.
What is the average home price in Enigma?
The median owner-occupied home value in Enigma, Georgia is $85,000, against $115,200 across Berrien County.
Is it cheaper to rent or buy in Enigma?
Median gross rent in Enigma is $1,007 a month, against $858 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Enigma?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Enigma, Georgia at today's rate takes a household income of roughly $37,000 a year. That covers the full $858 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Enigma, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Georgia.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.