Total monthly cost of ownership
Cost to Own a Home in Moultrie, Georgia
A $156,000 home here costs
$1,330per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $802. The real number is $528 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.
Moultrie against Colquitt County and Georgia
| Measure | Moultrie | Colquitt County |
|---|---|---|
| Median home value | $155,900 | $121,400 |
| Median property tax | $1,439 | $1,051 |
| Effective tax rate | 0.923% | 0.866% |
| Median gross rent | $777 | $779 |
| Population | 14,545 | 45,907 |
The weather behind that power bill
Moultrie sits in Colquitt County, which averages a high of 90.2°F in its hottest month and a low of 39.3°F in its coldest, with 50" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,286 cooling and 1,779 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Colquitt County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Colquitt County
Full Colquitt County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Moultrie?
A $156,000 home in Moultrie, Georgia costs approximately $1,330 per month with 20% down at 6.66%. That is $802 principal and interest, $120 property tax, $68 homeowners insurance, $210 utilities and $130 set aside for maintenance.
What is the property tax rate in Moultrie?
Moultrie has an effective property tax rate of 0.923%, based on a median home value of $155,900 and median real estate taxes of $1,439. That is higher than the Colquitt County average of 0.866%.
What is the average home price in Moultrie?
The median owner-occupied home value in Moultrie, Georgia is $155,900, against $121,400 across Colquitt County.
Is it cheaper to rent or buy in Moultrie?
Median gross rent in Moultrie is $777 a month, against $1,330 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 Moultrie — 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.