Total monthly cost of ownership
Cost to Own a Home in Zebulon, Georgia
A $211,000 home here costs
$1,811per 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 $77,500 a year.
A standard mortgage calculator would have told you $1,150. The real number is $661 higher every month, 57% more than the payment most buyers budget for.
Compare Pike County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Zebulon from a five-year rolling sample, and with about 1,711 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 Pike 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.
Zebulon against Pike County and Georgia
| Measure | Zebulon | Pike County |
|---|---|---|
| Median home value | $210,800 | $265,700 |
| Median property tax | $1,857 | $2,456 |
| Effective tax rate | 0.881% | 0.924% |
| Median gross rent | $955 | $1,056 |
| Population | 1,711 | 19,540 |
The weather behind that power bill
Zebulon sits in Pike County, which averages a high of 91.0°F in its hottest month and a low of 34.1°F in its coldest, with 49.3" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,945 cooling and 2,587 heating degree days, which is what sets the $171 electricity line above.
See the full climate breakdown for Pike County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pike County
No other places of this size are published in Pike County.
Talk to someone who works this market
These are Zebulon 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 Zebulon every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Zebulon I already own here and may sell
Common questions
How much does it cost to own a home in Zebulon?
A $211,000 home in Zebulon, Georgia costs approximately $1,811 per month with 20% down at 7.24%. That is $1,150 principal and interest, $155 property tax, $92 homeowners insurance, $239 utilities and $176 set aside for maintenance.
What is the property tax rate in Zebulon?
Zebulon has an effective property tax rate of 0.881%, based on a median home value of $210,800 and median real estate taxes of $1,857. That is lower than the Pike County average of 0.924%.
What is the average home price in Zebulon?
The median owner-occupied home value in Zebulon, Georgia is $210,800, against $265,700 across Pike County.
Is it cheaper to rent or buy in Zebulon?
Median gross rent in Zebulon is $955 a month, against $1,811 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 Zebulon?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Zebulon, Georgia at today's rate takes a household income of roughly $77,500 a year. That covers the full $1,811 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Zebulon, 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.