Total monthly cost of ownership
Cost to Own a Home in Pulaski, Tennessee
A $168,000 home here costs
$1,354per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $864. The real number is $490 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.
Pulaski against Giles County and Tennessee
| Measure | Pulaski | Giles County |
|---|---|---|
| Median home value | $168,200 | $204,100 |
| Median property tax | $980 | $953 |
| Effective tax rate | 0.583% | 0.467% |
| Median gross rent | $802 | $836 |
| Population | 8,305 | 30,442 |
The weather behind that power bill
Pulaski sits in Giles County, which averages a high of 88.1°F in its hottest month and a low of 25.4°F in its coldest, with 58.58" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,267 cooling and 4,028 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Giles County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Giles County
No other places of this size are published in Giles County.
Full Giles County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in Pulaski?
A $168,000 home in Pulaski, Tennessee costs approximately $1,354 per month with 20% down at 6.66%. That is $864 principal and interest, $82 property tax, $71 homeowners insurance, $198 utilities and $140 set aside for maintenance.
What is the property tax rate in Pulaski?
Pulaski has an effective property tax rate of 0.583%, based on a median home value of $168,200 and median real estate taxes of $980. That is higher than the Giles County average of 0.467%.
What is the average home price in Pulaski?
The median owner-occupied home value in Pulaski, Tennessee is $168,200, against $204,100 across Giles County.
Is it cheaper to rent or buy in Pulaski?
Median gross rent in Pulaski is $802 a month, against $1,354 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 Pulaski — 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.