Total monthly cost of ownership
Cost to Own a Home in Tunnel Hill, Georgia
A $184,000 home here costs
$1,473per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $946. The real number is $527 higher every month — 56% 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.
Tunnel Hill against Whitfield County and Georgia
| Measure | Tunnel Hill | Whitfield County |
|---|---|---|
| Median home value | $183,700 | $198,900 |
| Median property tax | $996 | $1,339 |
| Effective tax rate | 0.542% | 0.673% |
| Median gross rent | $1,014 | $907 |
| Population | 1,122 | 103,118 |
The weather behind that power bill
Tunnel Hill sits in Whitfield County, which averages a high of 90.5°F in its hottest month and a low of 32.4°F in its coldest, with 55" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,921 cooling and 3,029 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Whitfield County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Whitfield County
Full Whitfield County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Tunnel Hill?
A $184,000 home in Tunnel Hill, Georgia costs approximately $1,473 per month with 20% down at 6.66%. That is $946 principal and interest, $83 property tax, $80 homeowners insurance, $210 utilities and $153 set aside for maintenance.
What is the property tax rate in Tunnel Hill?
Tunnel Hill has an effective property tax rate of 0.542%, based on a median home value of $183,700 and median real estate taxes of $996. That is lower than the Whitfield County average of 0.673%.
What is the average home price in Tunnel Hill?
The median owner-occupied home value in Tunnel Hill, Georgia is $183,700, against $198,900 across Whitfield County.
Is it cheaper to rent or buy in Tunnel Hill?
Median gross rent in Tunnel Hill is $1,014 a month, against $1,473 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 Tunnel Hill — 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.