Total monthly cost of ownership
Cost to Own a Home in Hinesville, Georgia
A $174,000 home here costs
$1,487per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $895. The real number is $593 higher every month — 66% 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.
Hinesville against Liberty County and Georgia
| Measure | Hinesville | Liberty County |
|---|---|---|
| Median home value | $174,300 | $180,200 |
| Median property tax | $1,944 | $1,897 |
| Effective tax rate | 1.115% | 1.053% |
| Median gross rent | $1,167 | $1,203 |
| Population | 35,282 | 66,826 |
The weather behind that power bill
Hinesville sits in Liberty County, which averages a high of 91.6°F in its hottest month and a low of 41.1°F in its coldest, with 51.04" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 2,575 cooling and 1,519 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Liberty County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Liberty County
Full Liberty County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Hinesville?
A $174,000 home in Hinesville, Georgia costs approximately $1,487 per month with 20% down at 6.66%. That is $895 principal and interest, $162 property tax, $76 homeowners insurance, $210 utilities and $145 set aside for maintenance.
What is the property tax rate in Hinesville?
Hinesville has an effective property tax rate of 1.115%, based on a median home value of $174,300 and median real estate taxes of $1,944. That is higher than the Liberty County average of 1.053%.
What is the average home price in Hinesville?
The median owner-occupied home value in Hinesville, Georgia is $174,300, against $180,200 across Liberty County.
Is it cheaper to rent or buy in Hinesville?
Median gross rent in Hinesville is $1,167 a month, against $1,487 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 Hinesville — 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.