Total monthly cost of ownership
Cost to Own a Home in Lyons, Georgia
A $113,000 home here costs
$1,099per 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 $47,000 a year.
A standard mortgage calculator would have told you $616. The real number is $483 higher every month, 78% more than the payment most buyers budget for.
Compare Toombs County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Lyons from a five-year rolling sample, and with about 4,217 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 Toombs 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.
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 $171 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
Talk to someone who works this market
These are Lyons 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 Lyons every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Lyons?
A $113,000 home in Lyons, Georgia costs approximately $1,099 per month with 20% down at 7.24%. That is $616 principal and interest, $101 property tax, $49 homeowners insurance, $239 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 $1,099 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Lyons?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Lyons, Georgia at today's rate takes a household income of roughly $47,000 a year. That covers the full $1,099 monthly cost, not just the mortgage payment.
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.