Total monthly cost of ownership
Cost to Own a Home in Summerville, Georgia
A $88,000 home here costs
$825per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $452. The real number is $372 higher every month — 82% 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.
Summerville against Chattooga County and Georgia
| Measure | Summerville | Chattooga County |
|---|---|---|
| Median home value | $88,000 | $98,700 |
| Median property tax | $603 | $844 |
| Effective tax rate | 0.685% | 0.855% |
| Median gross rent | $576 | $789 |
| Population | 4,406 | 24,975 |
The weather behind that power bill
Summerville sits in Chattooga County, which averages a high of 89.9°F in its hottest month and a low of 29.0°F in its coldest, with 58.33" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,527 cooling and 3,395 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Chattooga County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chattooga County
Full Chattooga County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Summerville?
A $88,000 home in Summerville, Georgia costs approximately $825 per month with 20% down at 6.66%. That is $452 principal and interest, $50 property tax, $38 homeowners insurance, $210 utilities and $73 set aside for maintenance.
What is the property tax rate in Summerville?
Summerville has an effective property tax rate of 0.685%, based on a median home value of $88,000 and median real estate taxes of $603. That is lower than the Chattooga County average of 0.855%.
What is the average home price in Summerville?
The median owner-occupied home value in Summerville, Georgia is $88,000, against $98,700 across Chattooga County.
Is it cheaper to rent or buy in Summerville?
Median gross rent in Summerville is $576 a month, against $825 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 Summerville — 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.