Total monthly cost of ownership
Cost to Own a Home in Ludowici, Georgia
A $203,000 home here costs
$1,754per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $75,000 a year.
A standard mortgage calculator would have told you $1,107. The real number is $647 higher every month, 58% more than the payment most buyers budget for.
Compare Long County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Ludowici from a five-year rolling sample, and with about 1,822 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Long County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Ludowici against Long County and Georgia
| Measure | Ludowici | Long County |
|---|---|---|
| Median home value | $202,700 | $196,500 |
| Median property tax | $1,807 | $1,959 |
| Effective tax rate | 0.891% | 0.997% |
| Median gross rent | — | $931 |
| Population | 1,822 | 17,512 |
The weather behind that power bill
Ludowici sits in Long 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 $171 electricity line above.
See the full climate breakdown for Long County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Long County
No other places of this size are published in Long County.
Talk to someone who works this market
These are Ludowici averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Ludowici every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Ludowici I already own here and may sell
Common questions
How much does it cost to own a home in Ludowici?
A $203,000 home in Ludowici, Georgia costs approximately $1,754 per month with 20% down at 7.24%. That is $1,107 principal and interest, $151 property tax, $88 homeowners insurance, $239 utilities and $169 set aside for maintenance.
What is the property tax rate in Ludowici?
Ludowici has an effective property tax rate of 0.891%, based on a median home value of $202,700 and median real estate taxes of $1,807. That is lower than the Long County average of 0.997%.
What is the average home price in Ludowici?
The median owner-occupied home value in Ludowici, Georgia is $202,700, against $196,500 across Long County.
Is it cheaper to rent or buy in Ludowici?
Rent data is not published for Ludowici at this level of detail.
What salary do you need to buy a home in Ludowici?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ludowici, Georgia at today's rate takes a household income of roughly $75,000 a year. That covers the full $1,754 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ludowici, 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.