Total monthly cost of ownership
Cost to Own a Home in Walthourville, Georgia
A $128,000 home here costs
$1,189per 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 $51,000 a year.
A standard mortgage calculator would have told you $698. The real number is $491 higher every month, 70% more than the payment most buyers budget for.
Compare Liberty County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Walthourville from a five-year rolling sample, and with about 3,770 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 Liberty 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.
Walthourville against Liberty County and Georgia
| Measure | Walthourville | Liberty County |
|---|---|---|
| Median home value | $127,600 | $180,200 |
| Median property tax | $1,074 | $1,897 |
| Effective tax rate | 0.842% | 1.053% |
| Median gross rent | $990 | $1,203 |
| Population | 3,770 | 66,826 |
The weather behind that power bill
Walthourville sits in Liberty County, which averages a high of 91.6°F in its hottest month and a low of 41.1°F in its coldest, with 51.04" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 2,575 cooling and 1,519 heating degree days, which is what sets the $171 electricity line above.
See the full climate breakdown for Liberty County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Liberty County
Full Liberty County cost breakdown · Every county in Georgia
Talk to someone who works this market
These are Walthourville 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 Walthourville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Walthourville I already own here and may sell
Common questions
How much does it cost to own a home in Walthourville?
A $128,000 home in Walthourville, Georgia costs approximately $1,189 per month with 20% down at 7.24%. That is $698 principal and interest, $90 property tax, $56 homeowners insurance, $239 utilities and $107 set aside for maintenance.
What is the property tax rate in Walthourville?
Walthourville has an effective property tax rate of 0.842%, based on a median home value of $127,600 and median real estate taxes of $1,074. That is lower than the Liberty County average of 1.053%.
What is the average home price in Walthourville?
The median owner-occupied home value in Walthourville, Georgia is $127,600, against $180,200 across Liberty County.
Is it cheaper to rent or buy in Walthourville?
Median gross rent in Walthourville is $990 a month, against $1,189 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Walthourville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Walthourville, Georgia at today's rate takes a household income of roughly $51,000 a year. That covers the full $1,189 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Walthourville, 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.