Total monthly cost of ownership
Cost to Own a Home in Rural Hill, Tennessee
A $402,000 home here costs
$2,886per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,067. The real number is $820 higher every month — 40% 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.
Rural Hill against Wilson County and Tennessee
| Measure | Rural Hill | Wilson County |
|---|---|---|
| Median home value | $402,100 | $397,000 |
| Median property tax | $1,407 | $1,743 |
| Effective tax rate | 0.350% | 0.439% |
| Median gross rent | — | $1,370 |
| Population | 2,453 | 153,587 |
The weather behind that power bill
Rural Hill sits in Wilson County, which averages a high of 90.2°F in its hottest month and a low of 27.8°F in its coldest, with 54.45" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,670 cooling and 3,802 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Wilson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Wilson County
Full Wilson County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in Rural Hill?
A $402,000 home in Rural Hill, Tennessee costs approximately $2,886 per month with 20% down at 6.66%. That is $2,067 principal and interest, $117 property tax, $169 homeowners insurance, $198 utilities and $335 set aside for maintenance.
What is the property tax rate in Rural Hill?
Rural Hill has an effective property tax rate of 0.350%, based on a median home value of $402,100 and median real estate taxes of $1,407. That is lower than the Wilson County average of 0.439%.
What is the average home price in Rural Hill?
The median owner-occupied home value in Rural Hill, Tennessee is $402,100, against $397,000 across Wilson County.
Is it cheaper to rent or buy in Rural Hill?
Rent data is not published for Rural Hill at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Rural Hill — 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.