Total monthly cost of ownership
Cost to Own a Home in Scottdale, Georgia
A $319,000 home here costs
$2,512per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,640. The real number is $872 higher every month — 53% 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.
Scottdale against DeKalb County and Georgia
| Measure | Scottdale | DeKalb County |
|---|---|---|
| Median home value | $319,400 | $331,400 |
| Median property tax | $3,096 | $3,046 |
| Effective tax rate | 0.969% | 0.919% |
| Median gross rent | $1,460 | $1,591 |
| Population | 10,398 | 762,105 |
The weather behind that power bill
Scottdale sits in DeKalb County, which averages a high of 89.4°F in its hottest month and a low of 32.7°F in its coldest, with 51.43" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,728 cooling and 2,980 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for DeKalb County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in DeKalb County
Common questions
How much does it cost to own a home in Scottdale?
A $319,000 home in Scottdale, Georgia costs approximately $2,512 per month with 20% down at 6.66%. That is $1,640 principal and interest, $258 property tax, $138 homeowners insurance, $210 utilities and $266 set aside for maintenance.
What is the property tax rate in Scottdale?
Scottdale has an effective property tax rate of 0.969%, based on a median home value of $319,400 and median real estate taxes of $3,096. That is higher than the DeKalb County average of 0.919%.
What is the average home price in Scottdale?
The median owner-occupied home value in Scottdale, Georgia is $319,400, against $331,400 across DeKalb County.
Is it cheaper to rent or buy in Scottdale?
Median gross rent in Scottdale is $1,460 a month, against $2,512 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 Scottdale — 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.