Total monthly cost of ownership
Cost to Own a Home in Thomson, Georgia
A $136,000 home here costs
$1,209per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $699. The real number is $509 higher every month — 73% 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.
Thomson against McDuffie County and Georgia
| Measure | Thomson | McDuffie County |
|---|---|---|
| Median home value | $135,500 | $155,100 |
| Median property tax | $1,514 | $1,317 |
| Effective tax rate | 1.117% | 0.849% |
| Median gross rent | $876 | $813 |
| Population | 6,824 | 21,687 |
The weather behind that power bill
Thomson sits in McDuffie County, which averages a high of 94.1°F in its hottest month and a low of 35.3°F in its coldest, with 44.09" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,361 cooling and 2,181 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for McDuffie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in McDuffie County
No other places of this size are published in McDuffie County.
Full McDuffie County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Thomson?
A $136,000 home in Thomson, Georgia costs approximately $1,209 per month with 20% down at 6.66%. That is $699 principal and interest, $127 property tax, $59 homeowners insurance, $210 utilities and $113 set aside for maintenance.
What is the property tax rate in Thomson?
Thomson has an effective property tax rate of 1.117%, based on a median home value of $135,500 and median real estate taxes of $1,514. That is higher than the McDuffie County average of 0.849%.
What is the average home price in Thomson?
The median owner-occupied home value in Thomson, Georgia is $135,500, against $155,100 across McDuffie County.
Is it cheaper to rent or buy in Thomson?
Median gross rent in Thomson is $876 a month, against $1,209 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 Thomson — 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.