Total monthly cost of ownership
Cost to Own a Home in Hardwick, Georgia
A $101,000 home here costs
$902per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $519. The real number is $383 higher every month — 74% 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.
Hardwick against Baldwin County and Georgia
| Measure | Hardwick | Baldwin County |
|---|---|---|
| Median home value | $101,300 | $164,700 |
| Median property tax | $538 | $1,222 |
| Effective tax rate | 0.531% | 0.742% |
| Median gross rent | $905 | $865 |
| Population | 3,226 | 43,669 |
The weather behind that power bill
Hardwick sits in Baldwin County, which averages a high of 93.2°F in its hottest month and a low of 33.0°F in its coldest, with 48.19" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 2,103 cooling and 2,480 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Baldwin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Baldwin County
Full Baldwin County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Hardwick?
A $101,000 home in Hardwick, Georgia costs approximately $902 per month with 20% down at 6.66%. That is $519 principal and interest, $45 property tax, $44 homeowners insurance, $210 utilities and $84 set aside for maintenance.
What is the property tax rate in Hardwick?
Hardwick has an effective property tax rate of 0.531%, based on a median home value of $101,300 and median real estate taxes of $538. That is lower than the Baldwin County average of 0.742%.
What is the average home price in Hardwick?
The median owner-occupied home value in Hardwick, Georgia is $101,300, against $164,700 across Baldwin County.
Is it cheaper to rent or buy in Hardwick?
Median gross rent in Hardwick is $905 a month, against $902 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 Hardwick — 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.