Total monthly cost of ownership
Cost to Own a Home in Lyons, Georgia
A $113,000 home here costs
$1,036per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $581. The real number is $455 higher every month — 78% 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.
Lyons against Toombs County and Georgia
| Measure | Lyons | Toombs County |
|---|---|---|
| Median home value | $113,300 | $127,100 |
| Median property tax | $1,219 | $1,223 |
| Effective tax rate | 1.076% | 0.962% |
| Median gross rent | $588 | $714 |
| Population | 4,217 | 26,943 |
The weather behind that power bill
Lyons sits in Toombs County, which averages a high of 93.2°F in its hottest month and a low of 39.3°F in its coldest, with 44.8" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,542 cooling and 1,645 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Toombs County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Toombs County
Common questions
How much does it cost to own a home in Lyons?
A $113,000 home in Lyons, Georgia costs approximately $1,036 per month with 20% down at 6.66%. That is $581 principal and interest, $101 property tax, $49 homeowners insurance, $210 utilities and $94 set aside for maintenance.
What is the property tax rate in Lyons?
Lyons has an effective property tax rate of 1.076%, based on a median home value of $113,300 and median real estate taxes of $1,219. That is higher than the Toombs County average of 0.962%.
What is the average home price in Lyons?
The median owner-occupied home value in Lyons, Georgia is $113,300, against $127,100 across Toombs County.
Is it cheaper to rent or buy in Lyons?
Median gross rent in Lyons is $588 a month, against $1,036 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 Lyons — 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.