Total monthly cost of ownership
Cost to Own a Home in Evans, Georgia
A $346,000 home here costs
$2,802per 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 $120,000 a year.
A standard mortgage calculator would have told you $1,886. The real number is $915 higher every month, 49% more than the payment most buyers budget for.
Compare Columbia County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Evans against Columbia County and Georgia
| Measure | Evans | Columbia County |
|---|---|---|
| Median home value | $345,800 | $287,400 |
| Median property tax | $2,853 | $2,431 |
| Effective tax rate | 0.825% | 0.846% |
| Median gross rent | $1,483 | $1,330 |
| Population | 37,718 | 159,638 |
The weather behind that power bill
Evans sits in Columbia County, which averages a high of 94.1°F in its hottest month and a low of 35.3°F in its coldest, with 44.09" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,361 cooling and 2,181 heating degree days, which is what sets the $171 electricity line above.
See the full climate breakdown for Columbia County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Columbia County
Full Columbia County cost breakdown · Every county in Georgia
Talk to someone who works this market
These are Evans 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 Evans every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Evans?
A $346,000 home in Evans, Georgia costs approximately $2,802 per month with 20% down at 7.24%. That is $1,886 principal and interest, $238 property tax, $150 homeowners insurance, $239 utilities and $288 set aside for maintenance.
What is the property tax rate in Evans?
Evans has an effective property tax rate of 0.825%, based on a median home value of $345,800 and median real estate taxes of $2,853. That is lower than the Columbia County average of 0.846%.
What is the average home price in Evans?
The median owner-occupied home value in Evans, Georgia is $345,800, against $287,400 across Columbia County.
Is it cheaper to rent or buy in Evans?
Median gross rent in Evans is $1,483 a month, against $2,802 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Evans?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Evans, Georgia at today's rate takes a household income of roughly $120,000 a year. That covers the full $2,802 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Evans, 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.