Total monthly cost of ownership
Cost to Own a Home in Waynesboro, Georgia
A $96,000 home here costs
$918per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $494. The real number is $425 higher every month — 86% 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.
Waynesboro against Burke County and Georgia
| Measure | Waynesboro | Burke County |
|---|---|---|
| Median home value | $96,000 | $107,800 |
| Median property tax | $1,111 | $978 |
| Effective tax rate | 1.157% | 0.907% |
| Median gross rent | $752 | $763 |
| Population | 5,700 | 24,427 |
The weather behind that power bill
Waynesboro sits in Burke County, which averages a high of 91.9°F in its hottest month and a low of 34.0°F in its coldest, with 48.19" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,066 cooling and 2,447 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Burke County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Burke County
No other places of this size are published in Burke County.
Common questions
How much does it cost to own a home in Waynesboro?
A $96,000 home in Waynesboro, Georgia costs approximately $918 per month with 20% down at 6.66%. That is $494 principal and interest, $93 property tax, $42 homeowners insurance, $210 utilities and $80 set aside for maintenance.
What is the property tax rate in Waynesboro?
Waynesboro has an effective property tax rate of 1.157%, based on a median home value of $96,000 and median real estate taxes of $1,111. That is higher than the Burke County average of 0.907%.
What is the average home price in Waynesboro?
The median owner-occupied home value in Waynesboro, Georgia is $96,000, against $107,800 across Burke County.
Is it cheaper to rent or buy in Waynesboro?
Median gross rent in Waynesboro is $752 a month, against $918 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 Waynesboro — 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.