Total monthly cost of ownership
Cost to Own a Home in Unadilla, Georgia
A $64,000 home here costs
$736per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $31,500 a year.
A standard mortgage calculator would have told you $349. The real number is $387 higher every month, 111% more than the payment most buyers budget for.
Compare Dooly County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Unadilla from a five-year rolling sample, and with about 3,057 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Dooly County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Unadilla against Dooly County and Georgia
| Measure | Unadilla | Dooly County |
|---|---|---|
| Median home value | $64,300 | $96,400 |
| Median property tax | $811 | $1,198 |
| Effective tax rate | 1.261% | 1.243% |
| Median gross rent | $760 | $761 |
| Population | 3,057 | 11,026 |
The weather behind that power bill
Unadilla sits in Dooly County, which averages a high of 93.0°F in its hottest month and a low of 36.5°F in its coldest, with 50.13" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,393 cooling and 2,085 heating degree days, which is what sets the $171 electricity line above.
See the full climate breakdown for Dooly County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dooly County
Talk to someone who works this market
These are Unadilla averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Unadilla every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Unadilla?
A $64,000 home in Unadilla, Georgia costs approximately $736 per month with 20% down at 7.24%. That is $349 principal and interest, $67 property tax, $28 homeowners insurance, $239 utilities and $53 set aside for maintenance.
What is the property tax rate in Unadilla?
Unadilla has an effective property tax rate of 1.261%, based on a median home value of $64,300 and median real estate taxes of $811. That is higher than the Dooly County average of 1.243%.
What is the average home price in Unadilla?
The median owner-occupied home value in Unadilla, Georgia is $64,300, against $96,400 across Dooly County.
Is it cheaper to rent or buy in Unadilla?
Median gross rent in Unadilla is $760 a month, against $736 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Unadilla?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Unadilla, Georgia at today's rate takes a household income of roughly $31,500 a year. That covers the full $736 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Unadilla, 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.