Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Georgia
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Georgia ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Stewart County | 57.7% | $385 | $668 |
| 2 | Taliaferro County | 51.3% | $412 | $802 |
| 3 | Wilcox County | 51.0% | $396 | $776 |
| 4 | Clinch County | 49.6% | $453 | $913 |
| 5 | Warren County | 49.5% | $409 | $825 |
| 6 | Atkinson County | 49.3% | $396 | $803 |
| 7 | Calhoun County | 49.2% | $426 | $865 |
| 8 | Wheeler County | 49.1% | $384 | $782 |
| 9 | Jenkins County | 48.7% | $410 | $843 |
| 10 | Macon County | 48.5% | $437 | $902 |
| 11 | Appling County | 48.1% | $403 | $838 |
| 12 | Taylor County | 48.1% | $410 | $852 |
| 13 | Hancock County | 47.7% | $426 | $893 |
| 14 | Brantley County | 47.6% | $445 | $935 |
| 15 | Emanuel County | 47.5% | $426 | $897 |
| 16 | Dooly County | 47.5% | $465 | $979 |
| 17 | Clay County | 47.1% | $440 | $934 |
| 18 | Turner County | 47.1% | $453 | $961 |
| 19 | Webster County | 47.1% | $438 | $930 |
| 20 | Jefferson County | 46.8% | $438 | $935 |
| 21 | Johnson County | 46.8% | $428 | $915 |
| 22 | Wilkinson County | 46.7% | $425 | $909 |
| 23 | Randolph County | 46.7% | $425 | $910 |
| 24 | Mitchell County | 46.5% | $489 | $1,052 |
| 25 | Treutlen County | 45.9% | $446 | $971 |
| 26 | Wilkes County | 45.9% | $475 | $1,036 |
| 27 | Chattahoochee County | 45.9% | $452 | $984 |
| 28 | Irwin County | 45.7% | $474 | $1,036 |
| 29 | Miller County | 45.6% | $529 | $1,161 |
| 30 | Seminole County | 45.5% | $498 | $1,093 |
| 31 | Bacon County | 45.5% | $463 | $1,019 |
| 32 | Chattooga County | 45.4% | $438 | $965 |
| 33 | Telfair County | 45.3% | $478 | $1,056 |
| 34 | Brooks County | 45.1% | $519 | $1,149 |
| 35 | Ware County | 45.1% | $467 | $1,036 |
| 36 | Terrell County | 44.9% | $486 | $1,081 |
| 37 | Sumter County | 44.9% | $532 | $1,185 |
| 38 | Worth County | 44.8% | $487 | $1,087 |
| 39 | Quitman County | 44.8% | $446 | $996 |
| 40 | Dougherty County | 44.7% | $556 | $1,246 |
| 41 | Dodge County | 44.6% | $467 | $1,047 |
| 42 | Washington County | 44.5% | $495 | $1,112 |
| 43 | Twiggs County | 44.5% | $447 | $1,005 |
| 44 | Burke County | 44.5% | $461 | $1,036 |
| 45 | Ben Hill County | 44.4% | $489 | $1,101 |
| 46 | Jeff Davis County | 44.4% | $466 | $1,049 |
| 47 | Echols County | 44.3% | $478 | $1,079 |
| 48 | Crisp County | 44.3% | $512 | $1,157 |
| 49 | Screven County | 44.2% | $518 | $1,171 |
| 50 | Elbert County | 44.1% | $482 | $1,094 |
| 51 | Berrien County | 44.0% | $484 | $1,099 |
| 52 | Montgomery County | 43.6% | $488 | $1,119 |
| 53 | Tattnall County | 43.4% | $502 | $1,155 |
| 54 | Talbot County | 43.3% | $519 | $1,198 |
| 55 | Glascock County | 43.2% | $500 | $1,155 |
| 56 | Charlton County | 43.2% | $484 | $1,119 |
| 57 | Baker County | 42.9% | $482 | $1,123 |
| 58 | Bleckley County | 42.8% | $531 | $1,241 |
| 59 | Colquitt County | 42.8% | $484 | $1,132 |
| 60 | Toombs County | 42.7% | $506 | $1,184 |
| 61 | Candler County | 42.4% | $532 | $1,256 |
| 62 | Cook County | 42.4% | $483 | $1,139 |
| 63 | Coffee County | 42.0% | $487 | $1,158 |
| 64 | Pierce County | 42.0% | $511 | $1,216 |
| 65 | Evans County | 42.0% | $540 | $1,286 |
| 66 | Grady County | 42.0% | $527 | $1,256 |
| 67 | Marion County | 41.9% | $469 | $1,121 |
| 68 | Early County | 41.7% | $497 | $1,191 |
| 69 | Tift County | 41.2% | $536 | $1,300 |
| 70 | Pulaski County | 41.0% | $535 | $1,306 |
| 71 | Decatur County | 40.9% | $541 | $1,321 |
| 72 | Laurens County | 40.8% | $505 | $1,238 |
| 73 | Bibb County | 40.6% | $605 | $1,490 |
| 74 | Crawford County | 40.6% | $528 | $1,301 |
| 75 | Upson County | 40.5% | $543 | $1,341 |
| 76 | Lanier County | 40.4% | $583 | $1,444 |
| 77 | Meriwether County | 40.4% | $559 | $1,384 |
| 78 | Schley County | 40.2% | $550 | $1,366 |
| 79 | Wayne County | 39.9% | $532 | $1,332 |
| 80 | McDuffie County | 39.9% | $549 | $1,377 |
| 81 | Peach County | 39.7% | $653 | $1,646 |
| 82 | Liberty County | 39.5% | $629 | $1,591 |
| 83 | Richmond County | 39.5% | $570 | $1,442 |
| 84 | Lincoln County | 39.5% | $570 | $1,444 |
| 85 | Jones County | 39.3% | $603 | $1,536 |
| 86 | Franklin County | 39.0% | $549 | $1,406 |
| 87 | Polk County | 39.0% | $559 | $1,432 |
| 88 | Stephens County | 38.9% | $572 | $1,470 |
| 89 | Troup County | 38.7% | $633 | $1,635 |
| 90 | Baldwin County | 38.6% | $553 | $1,433 |
| 91 | Long County | 38.4% | $655 | $1,704 |
| 92 | Walker County | 38.3% | $576 | $1,504 |
| 93 | Heard County | 38.3% | $533 | $1,392 |
| 94 | Spalding County | 38.2% | $650 | $1,700 |
| 95 | Muscogee County | 38.2% | $601 | $1,574 |
| 96 | McIntosh County | 38.1% | $572 | $1,501 |
| 97 | Thomas County | 37.9% | $605 | $1,594 |
| 98 | Lamar County | 37.9% | $657 | $1,732 |
| 99 | Clayton County | 37.9% | $634 | $1,672 |
| 100 | Dade County | 37.8% | $541 | $1,430 |
| 101 | Murray County | 37.5% | $555 | $1,480 |
| 102 | Floyd County | 37.4% | $619 | $1,655 |
| 103 | Lowndes County | 37.4% | $630 | $1,687 |
| 104 | Bulloch County | 37.4% | $610 | $1,633 |
| 105 | Lee County | 37.3% | $720 | $1,931 |
| 106 | Madison County | 37.2% | $629 | $1,690 |
| 107 | Houston County | 37.2% | $650 | $1,748 |
| 108 | Oglethorpe County | 37.2% | $628 | $1,688 |
| 109 | Haralson County | 37.0% | $658 | $1,782 |
| 110 | Jasper County | 36.8% | $684 | $1,857 |
| 111 | Camden County | 36.6% | $722 | $1,971 |
| 112 | Newton County | 36.5% | $716 | $1,962 |
| 113 | Effingham County | 36.4% | $749 | $2,059 |
| 114 | Whitfield County | 36.3% | $606 | $1,668 |
| 115 | Gordon County | 36.2% | $624 | $1,722 |
| 116 | Butts County | 36.2% | $689 | $1,905 |
| 117 | Catoosa County | 35.8% | $637 | $1,781 |
| 118 | Putnam County | 35.7% | $658 | $1,843 |
| 119 | Pike County | 35.6% | $784 | $2,203 |
| 120 | Habersham County | 35.5% | $622 | $1,754 |
| 121 | Barrow County | 35.3% | $743 | $2,106 |
| 122 | Henry County | 35.3% | $807 | $2,288 |
| 123 | Clarke County | 35.3% | $791 | $2,243 |
| 124 | Chatham County | 35.3% | $794 | $2,253 |
| 125 | Hart County | 35.1% | $597 | $1,700 |
| 126 | Harris County | 35.0% | $802 | $2,290 |
| 127 | Carroll County | 34.8% | $649 | $1,864 |
| 128 | Douglas County | 34.8% | $748 | $2,148 |
| 129 | Monroe County | 34.7% | $690 | $1,988 |
| 130 | Columbia County | 34.5% | $810 | $2,344 |
| 131 | Paulding County | 34.5% | $813 | $2,356 |
| 132 | Rockdale County | 34.5% | $722 | $2,091 |
| 133 | Bartow County | 34.4% | $733 | $2,133 |
| 134 | Gwinnett County | 34.3% | $963 | $2,808 |
| 135 | Jackson County | 34.2% | $869 | $2,539 |
| 136 | DeKalb County | 34.1% | $917 | $2,686 |
| 137 | Banks County | 34.1% | $694 | $2,038 |
| 138 | Walton County | 34.0% | $826 | $2,430 |
| 139 | White County | 34.0% | $720 | $2,119 |
| 140 | Lumpkin County | 33.7% | $753 | $2,233 |
| 141 | Glynn County | 33.6% | $725 | $2,158 |
| 142 | Bryan County | 33.5% | $853 | $2,546 |
| 143 | Hall County | 33.4% | $839 | $2,513 |
| 144 | Coweta County | 33.3% | $858 | $2,576 |
| 145 | Pickens County | 33.2% | $769 | $2,315 |
| 146 | Morgan County | 33.1% | $852 | $2,577 |
| 147 | Rabun County | 32.8% | $710 | $2,166 |
| 148 | Union County | 32.6% | $703 | $2,158 |
| 149 | Fulton County | 32.5% | $1,110 | $3,412 |
| 150 | Greene County | 32.3% | $872 | $2,699 |
| 151 | Fayette County | 32.0% | $1,021 | $3,186 |
| 152 | Cobb County | 31.8% | $930 | $2,925 |
| 153 | Dawson County | 31.8% | $874 | $2,753 |
| 154 | Cherokee County | 31.7% | $965 | $3,045 |
| 155 | Gilmer County | 31.5% | $685 | $2,174 |
| 156 | Fannin County | 31.4% | $671 | $2,137 |
| 157 | Oconee County | 31.3% | $1,036 | $3,306 |
| 158 | Forsyth County | 30.9% | $1,181 | $3,817 |
| 159 | Towns County | 30.6% | $733 | $2,398 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Georgia