Total monthly cost of ownership
Cost to Own a Home in Thomaston, Georgia
A $146,000 home here costs
$1,264per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $751. The real number is $513 higher every month — 68% 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.
Thomaston against Upson County and Georgia
| Measure | Thomaston | Upson County |
|---|---|---|
| Median home value | $146,100 | $149,500 |
| Median property tax | $1,415 | $1,325 |
| Effective tax rate | 0.969% | 0.886% |
| Median gross rent | $700 | $779 |
| Population | 9,798 | 27,856 |
The weather behind that power bill
Thomaston sits in Upson County, which averages a high of 90.9°F in its hottest month and a low of 33.4°F in its coldest, with 50.46" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,935 cooling and 2,463 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Upson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Upson County
Common questions
How much does it cost to own a home in Thomaston?
A $146,000 home in Thomaston, Georgia costs approximately $1,264 per month with 20% down at 6.66%. That is $751 principal and interest, $118 property tax, $63 homeowners insurance, $210 utilities and $122 set aside for maintenance.
What is the property tax rate in Thomaston?
Thomaston has an effective property tax rate of 0.969%, based on a median home value of $146,100 and median real estate taxes of $1,415. That is higher than the Upson County average of 0.886%.
What is the average home price in Thomaston?
The median owner-occupied home value in Thomaston, Georgia is $146,100, against $149,500 across Upson County.
Is it cheaper to rent or buy in Thomaston?
Median gross rent in Thomaston is $700 a month, against $1,264 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 Thomaston — 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.