Total monthly cost of ownership
Cost to Own a Home in Pine Mountain, Georgia
A $321,000 home here costs
$2,631per 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 $113,000 a year.
A standard mortgage calculator would have told you $1,750. The real number is $881 higher every month, 50% more than the payment most buyers budget for.
Compare Harris County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Pine Mountain from a five-year rolling sample, and with about 1,343 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 Harris 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.
Pine Mountain against Harris County and Georgia
| Measure | Pine Mountain | Harris County |
|---|---|---|
| Median home value | $320,500 | $278,700 |
| Median property tax | $2,821 | $2,470 |
| Effective tax rate | 0.880% | 0.886% |
| Median gross rent | $827 | $941 |
| Population | 1,343 | 35,509 |
Pine Mountain extends across 2 counties. Figures here use Harris County, where most of its housing sits.
The weather behind that power bill
Pine Mountain sits in Harris County, which averages a high of 92.9°F in its hottest month and a low of 38.2°F in its coldest, with 48.82" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,534 cooling and 1,942 heating degree days, which is what sets the $171 electricity line above.
See the full climate breakdown for Harris County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harris County
Talk to someone who works this market
These are Pine Mountain 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 Pine Mountain every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pine Mountain I already own here and may sell
Common questions
How much does it cost to own a home in Pine Mountain?
A $321,000 home in Pine Mountain, Georgia costs approximately $2,631 per month with 20% down at 7.24%. That is $1,750 principal and interest, $235 property tax, $139 homeowners insurance, $239 utilities and $268 set aside for maintenance.
What is the property tax rate in Pine Mountain?
Pine Mountain has an effective property tax rate of 0.880%, based on a median home value of $320,500 and median real estate taxes of $2,821. That is in line with the Harris County average of 0.886%.
What is the average home price in Pine Mountain?
The median owner-occupied home value in Pine Mountain, Georgia is $320,500, against $278,700 across Harris County.
Is it cheaper to rent or buy in Pine Mountain?
Median gross rent in Pine Mountain is $827 a month, against $2,631 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 Pine Mountain?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pine Mountain, Georgia at today's rate takes a household income of roughly $113,000 a year. That covers the full $2,631 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pine Mountain, 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.