Total monthly cost of ownership
Cost to Own a Home in Harrogate, Tennessee
A $179,000 home here costs
$1,414per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $920. The real number is $494 higher every month — 54% 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.
Harrogate against Claiborne County and Tennessee
| Measure | Harrogate | Claiborne County |
|---|---|---|
| Median home value | $178,600 | $148,000 |
| Median property tax | $855 | $728 |
| Effective tax rate | 0.479% | 0.492% |
| Median gross rent | $1,277 | $736 |
| Population | 4,355 | 32,221 |
The weather behind that power bill
Harrogate sits in Claiborne County, which averages a high of 84.7°F in its hottest month and a low of 22.8°F in its coldest, with 54.68" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 893 cooling and 4,786 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Claiborne County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Claiborne County
Full Claiborne County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in Harrogate?
A $179,000 home in Harrogate, Tennessee costs approximately $1,414 per month with 20% down at 6.66%. That is $920 principal and interest, $71 property tax, $75 homeowners insurance, $198 utilities and $149 set aside for maintenance.
What is the property tax rate in Harrogate?
Harrogate has an effective property tax rate of 0.479%, based on a median home value of $178,600 and median real estate taxes of $855. That is lower than the Claiborne County average of 0.492%.
What is the average home price in Harrogate?
The median owner-occupied home value in Harrogate, Tennessee is $178,600, against $148,000 across Claiborne County.
Is it cheaper to rent or buy in Harrogate?
Median gross rent in Harrogate is $1,277 a month, against $1,414 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 Harrogate — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Tennessee.
- 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.