Total monthly cost of ownership
Cost to Own a Home in Folkston, Georgia
A $77,000 home here costs
$761per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $396. The real number is $365 higher every month — 92% 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.
Folkston against Charlton County and Georgia
| Measure | Folkston | Charlton County |
|---|---|---|
| Median home value | $76,800 | $119,000 |
| Median property tax | $685 | $1,081 |
| Effective tax rate | 0.892% | 0.908% |
| Median gross rent | $833 | $895 |
| Population | 4,609 | 12,711 |
The weather behind that power bill
Folkston sits in Charlton County, which averages a high of 94.4°F in its hottest month and a low of 43.7°F in its coldest, with 53.16" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,048 cooling and 1,109 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Charlton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Charlton County
No other places of this size are published in Charlton County.
Full Charlton County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Folkston?
A $77,000 home in Folkston, Georgia costs approximately $761 per month with 20% down at 6.66%. That is $396 principal and interest, $57 property tax, $33 homeowners insurance, $210 utilities and $64 set aside for maintenance.
What is the property tax rate in Folkston?
Folkston has an effective property tax rate of 0.892%, based on a median home value of $76,800 and median real estate taxes of $685. That is lower than the Charlton County average of 0.908%.
What is the average home price in Folkston?
The median owner-occupied home value in Folkston, Georgia is $76,800, against $119,000 across Charlton County.
Is it cheaper to rent or buy in Folkston?
Median gross rent in Folkston is $833 a month, against $761 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Folkston — 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.