Total monthly cost of ownership
Cost to Own a Home in Roswell, Georgia
A $521,000 home here costs
$3,907per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,678. The real number is $1,229 higher every month — 46% 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.
Roswell against Fulton County and Georgia
| Measure | Roswell | Fulton County |
|---|---|---|
| Median home value | $520,500 | $431,200 |
| Median property tax | $4,296 | $3,847 |
| Effective tax rate | 0.825% | 0.892% |
| Median gross rent | $1,707 | $1,635 |
| Population | 92,577 | 1,068,507 |
Roswell extends across 2 counties. Figures here use Fulton County, where most of its housing sits.
The weather behind that power bill
Roswell sits in Fulton County, which averages a high of 90.0°F in its hottest month and a low of 33.5°F in its coldest, with 48.13" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,826 cooling and 2,775 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Fulton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fulton County
Common questions
How much does it cost to own a home in Roswell?
A $521,000 home in Roswell, Georgia costs approximately $3,907 per month with 20% down at 6.66%. That is $2,678 principal and interest, $358 property tax, $226 homeowners insurance, $210 utilities and $434 set aside for maintenance.
What is the property tax rate in Roswell?
Roswell has an effective property tax rate of 0.825%, based on a median home value of $520,500 and median real estate taxes of $4,296. That is lower than the Fulton County average of 0.892%.
What is the average home price in Roswell?
The median owner-occupied home value in Roswell, Georgia is $520,500, against $431,200 across Fulton County.
Is it cheaper to rent or buy in Roswell?
Median gross rent in Roswell is $1,707 a month, against $3,907 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 Roswell — 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.