Total monthly cost of ownership
Cost to Own a Home in Moultrie, Georgia
A $156,000 home here costs
$1,407per 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 $60,500 a year.
A standard mortgage calculator would have told you $851. The real number is $556 higher every month, 65% more than the payment most buyers budget for.
Compare Colquitt County with anywhere in America · full county breakdown
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 $171 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
Talk to someone who works this market
These are Moultrie 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 Moultrie every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Moultrie I already own here and may sell
Common questions
How much does it cost to own a home in Moultrie?
A $156,000 home in Moultrie, Georgia costs approximately $1,407 per month with 20% down at 7.24%. That is $851 principal and interest, $120 property tax, $68 homeowners insurance, $239 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 $1,407 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 Moultrie?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Moultrie, Georgia at today's rate takes a household income of roughly $60,500 a year. That covers the full $1,407 monthly cost, not just the mortgage payment.
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.