Total monthly cost of ownership
Cost to Own a Home in Union Point, Georgia
A $85,000 home here costs
$829per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $392 higher every month — 90% 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.
Union Point against Greene County and Georgia
| Measure | Union Point | Greene County |
|---|---|---|
| Median home value | $84,600 | $342,200 |
| Median property tax | $877 | $2,343 |
| Effective tax rate | 1.037% | 0.685% |
| Median gross rent | $889 | $936 |
| Population | 1,745 | 19,586 |
The weather behind that power bill
Union Point sits in Greene County, which averages a high of 91.2°F in its hottest month and a low of 32.0°F in its coldest, with 46.1" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,764 cooling and 2,861 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Greene County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Greene County
Common questions
How much does it cost to own a home in Union Point?
A $85,000 home in Union Point, Georgia costs approximately $829 per month with 20% down at 6.66%. That is $437 principal and interest, $73 property tax, $37 homeowners insurance, $210 utilities and $71 set aside for maintenance.
What is the property tax rate in Union Point?
Union Point has an effective property tax rate of 1.037%, based on a median home value of $84,600 and median real estate taxes of $877. That is higher than the Greene County average of 0.685%.
What is the average home price in Union Point?
The median owner-occupied home value in Union Point, Georgia is $84,600, against $342,200 across Greene County.
Is it cheaper to rent or buy in Union Point?
Median gross rent in Union Point is $889 a month, against $829 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Union Point — 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.