Total monthly cost of ownership
Cost to Own a Home in Pendergrass, Georgia
A $284,000 home here costs
$2,300per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,460. The real number is $839 higher every month — 57% 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.
Pendergrass against Jackson County and Georgia
| Measure | Pendergrass | Jackson County |
|---|---|---|
| Median home value | $283,900 | $312,700 |
| Median property tax | $3,228 | $2,761 |
| Effective tax rate | 1.137% | 0.883% |
| Median gross rent | $1,125 | $1,048 |
| Population | 2,261 | 80,640 |
The weather behind that power bill
Pendergrass sits in Jackson County, which averages a high of 88.1°F in its hottest month and a low of 33.7°F in its coldest, with 52.38" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,632 cooling and 3,002 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Jackson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
Full Jackson County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Pendergrass?
A $284,000 home in Pendergrass, Georgia costs approximately $2,300 per month with 20% down at 6.66%. That is $1,460 principal and interest, $269 property tax, $123 homeowners insurance, $210 utilities and $237 set aside for maintenance.
What is the property tax rate in Pendergrass?
Pendergrass has an effective property tax rate of 1.137%, based on a median home value of $283,900 and median real estate taxes of $3,228. That is higher than the Jackson County average of 0.883%.
What is the average home price in Pendergrass?
The median owner-occupied home value in Pendergrass, Georgia is $283,900, against $312,700 across Jackson County.
Is it cheaper to rent or buy in Pendergrass?
Median gross rent in Pendergrass is $1,125 a month, against $2,300 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 Pendergrass — 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.