Total monthly cost of ownership
Cost to Own a Home in Fairplay, Georgia
A $278,000 home here costs
$2,144per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,429. The real number is $715 higher every month — 50% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Fairplay against Douglas County and Georgia
| Measure | Fairplay | Douglas County |
|---|---|---|
| Median home value | $277,500 | $262,200 |
| Median property tax | $1,824 | $2,079 |
| Effective tax rate | 0.657% | 0.793% |
| Median gross rent | $989 | $1,447 |
| Population | 1,628 | 146,141 |
The weather behind that power bill
Fairplay sits in Douglas County, which averages a high of 90.0°F in its hottest month and a low of 33.5°F in its coldest, with 48.13" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,826 cooling and 2,775 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Douglas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Douglas County
Full Douglas County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Fairplay?
A $278,000 home in Fairplay, Georgia costs approximately $2,144 per month with 20% down at 6.66%. That is $1,429 principal and interest, $152 property tax, $121 homeowners insurance, $210 utilities and $232 set aside for maintenance.
What is the property tax rate in Fairplay?
Fairplay has an effective property tax rate of 0.657%, based on a median home value of $277,500 and median real estate taxes of $1,824. That is lower than the Douglas County average of 0.793%.
What is the average home price in Fairplay?
The median owner-occupied home value in Fairplay, Georgia is $277,500, against $262,200 across Douglas County.
Is it cheaper to rent or buy in Fairplay?
Median gross rent in Fairplay is $989 a month, against $2,144 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fairplay — 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.