Total monthly cost of ownership
Cost to Own a Home in Ocilla, Georgia
A $103,000 home here costs
$980per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $530. The real number is $450 higher every month — 85% 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.
Ocilla against Irwin County and Georgia
| Measure | Ocilla | Irwin County |
|---|---|---|
| Median home value | $103,000 | $105,300 |
| Median property tax | $1,310 | $1,174 |
| Effective tax rate | 1.272% | 1.115% |
| Median gross rent | $796 | $824 |
| Population | 3,233 | 9,385 |
The weather behind that power bill
Ocilla sits in Irwin County, which averages a high of 92.4°F in its hottest month and a low of 38.6°F in its coldest, with 47.64" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,387 cooling and 1,869 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Irwin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Irwin County
No other places of this size are published in Irwin County.
Common questions
How much does it cost to own a home in Ocilla?
A $103,000 home in Ocilla, Georgia costs approximately $980 per month with 20% down at 6.66%. That is $530 principal and interest, $109 property tax, $45 homeowners insurance, $210 utilities and $86 set aside for maintenance.
What is the property tax rate in Ocilla?
Ocilla has an effective property tax rate of 1.272%, based on a median home value of $103,000 and median real estate taxes of $1,310. That is higher than the Irwin County average of 1.115%.
What is the average home price in Ocilla?
The median owner-occupied home value in Ocilla, Georgia is $103,000, against $105,300 across Irwin County.
Is it cheaper to rent or buy in Ocilla?
Median gross rent in Ocilla is $796 a month, against $980 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 Ocilla — 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.