Total monthly cost of ownership
Cost to Own a Home in Orlinda, Tennessee
A $298,000 home here costs
$2,347per 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 $100,500 a year.
A standard mortgage calculator would have told you $1,625. The real number is $723 higher every month, 44% more than the payment most buyers budget for.
Compare Robertson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Orlinda from a five-year rolling sample, and with about 1,088 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 Robertson 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.
Orlinda against Robertson County and Tennessee
| Measure | Orlinda | Robertson County |
|---|---|---|
| Median home value | $298,400 | $296,700 |
| Median property tax | $1,513 | $1,547 |
| Effective tax rate | 0.507% | 0.521% |
| Median gross rent | $1,415 | $1,176 |
| Population | 1,088 | 74,291 |
The weather behind that power bill
Orlinda sits in Robertson County, which averages a high of 88.5°F in its hottest month and a low of 27.0°F in its coldest, with 53.29" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,545 cooling and 4,028 heating degree days, which is what sets the $155 electricity line above.
See the full climate breakdown for Robertson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Robertson County
Full Robertson County cost breakdown · Every county in Tennessee
Talk to someone who works this market
These are Orlinda 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 Orlinda every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Orlinda I already own here and may sell
Common questions
How much does it cost to own a home in Orlinda?
A $298,000 home in Orlinda, Tennessee costs approximately $2,347 per month with 20% down at 7.24%. That is $1,625 principal and interest, $126 property tax, $125 homeowners insurance, $223 utilities and $248 set aside for maintenance.
What is the property tax rate in Orlinda?
Orlinda has an effective property tax rate of 0.507%, based on a median home value of $298,400 and median real estate taxes of $1,513. That is lower than the Robertson County average of 0.521%.
What is the average home price in Orlinda?
The median owner-occupied home value in Orlinda, Tennessee is $298,400, against $296,700 across Robertson County.
Is it cheaper to rent or buy in Orlinda?
Median gross rent in Orlinda is $1,415 a month, against $2,347 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 Orlinda?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Orlinda, Tennessee at today's rate takes a household income of roughly $100,500 a year. That covers the full $2,347 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Orlinda, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Tennessee.
- 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.