Total monthly cost of ownership
Cost to Own a Home in Valdosta, Georgia
A $165,000 home here costs
$1,404per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $848. The real number is $556 higher every month — 66% 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.
Valdosta against Lowndes County and Georgia
| Measure | Valdosta | Lowndes County |
|---|---|---|
| Median home value | $165,300 | $197,900 |
| Median property tax | $1,643 | $1,643 |
| Effective tax rate | 0.994% | 0.830% |
| Median gross rent | $1,000 | $1,002 |
| Population | 55,222 | 119,055 |
The weather behind that power bill
Valdosta sits in Lowndes County, which averages a high of 92.1°F in its hottest month and a low of 38.6°F in its coldest, with 48.41" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,409 cooling and 1,649 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Lowndes County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lowndes County
Full Lowndes County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Valdosta?
A $165,000 home in Valdosta, Georgia costs approximately $1,404 per month with 20% down at 6.66%. That is $848 principal and interest, $137 property tax, $72 homeowners insurance, $210 utilities and $138 set aside for maintenance.
What is the property tax rate in Valdosta?
Valdosta has an effective property tax rate of 0.994%, based on a median home value of $165,300 and median real estate taxes of $1,643. That is higher than the Lowndes County average of 0.830%.
What is the average home price in Valdosta?
The median owner-occupied home value in Valdosta, Georgia is $165,300, against $197,900 across Lowndes County.
Is it cheaper to rent or buy in Valdosta?
Median gross rent in Valdosta is $1,000 a month, against $1,404 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 Valdosta — 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.