Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Georgia
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
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 | Towns County | 30.6% | $733 | $2,398 |
| 2 | Forsyth County | 30.9% | $1,181 | $3,817 |
| 3 | Oconee County | 31.3% | $1,036 | $3,306 |
| 4 | Fannin County | 31.4% | $671 | $2,137 |
| 5 | Gilmer County | 31.5% | $685 | $2,174 |
| 6 | Cherokee County | 31.7% | $965 | $3,045 |
| 7 | Dawson County | 31.8% | $874 | $2,753 |
| 8 | Cobb County | 31.8% | $930 | $2,925 |
| 9 | Fayette County | 32.0% | $1,021 | $3,186 |
| 10 | Greene County | 32.3% | $872 | $2,699 |
| 11 | Fulton County | 32.5% | $1,110 | $3,412 |
| 12 | Union County | 32.6% | $703 | $2,158 |
| 13 | Rabun County | 32.8% | $710 | $2,166 |
| 14 | Morgan County | 33.1% | $852 | $2,577 |
| 15 | Pickens County | 33.2% | $769 | $2,315 |
| 16 | Coweta County | 33.3% | $858 | $2,576 |
| 17 | Hall County | 33.4% | $839 | $2,513 |
| 18 | Bryan County | 33.5% | $853 | $2,546 |
| 19 | Glynn County | 33.6% | $725 | $2,158 |
| 20 | Lumpkin County | 33.7% | $753 | $2,233 |
| 21 | White County | 34.0% | $720 | $2,119 |
| 22 | Walton County | 34.0% | $826 | $2,430 |
| 23 | Banks County | 34.1% | $694 | $2,038 |
| 24 | DeKalb County | 34.1% | $917 | $2,686 |
| 25 | Jackson County | 34.2% | $869 | $2,539 |
| 26 | Gwinnett County | 34.3% | $963 | $2,808 |
| 27 | Bartow County | 34.4% | $733 | $2,133 |
| 28 | Rockdale County | 34.5% | $722 | $2,091 |
| 29 | Paulding County | 34.5% | $813 | $2,356 |
| 30 | Columbia County | 34.5% | $810 | $2,344 |
| 31 | Monroe County | 34.7% | $690 | $1,988 |
| 32 | Douglas County | 34.8% | $748 | $2,148 |
| 33 | Carroll County | 34.8% | $649 | $1,864 |
| 34 | Harris County | 35.0% | $802 | $2,290 |
| 35 | Hart County | 35.1% | $597 | $1,700 |
| 36 | Chatham County | 35.3% | $794 | $2,253 |
| 37 | Clarke County | 35.3% | $791 | $2,243 |
| 38 | Henry County | 35.3% | $807 | $2,288 |
| 39 | Barrow County | 35.3% | $743 | $2,106 |
| 40 | Habersham County | 35.5% | $622 | $1,754 |
| 41 | Pike County | 35.6% | $784 | $2,203 |
| 42 | Putnam County | 35.7% | $658 | $1,843 |
| 43 | Catoosa County | 35.8% | $637 | $1,781 |
| 44 | Butts County | 36.2% | $689 | $1,905 |
| 45 | Gordon County | 36.2% | $624 | $1,722 |
| 46 | Whitfield County | 36.3% | $606 | $1,668 |
| 47 | Effingham County | 36.4% | $749 | $2,059 |
| 48 | Newton County | 36.5% | $716 | $1,962 |
| 49 | Camden County | 36.6% | $722 | $1,971 |
| 50 | Jasper County | 36.8% | $684 | $1,857 |
| 51 | Haralson County | 37.0% | $658 | $1,782 |
| 52 | Oglethorpe County | 37.2% | $628 | $1,688 |
| 53 | Houston County | 37.2% | $650 | $1,748 |
| 54 | Madison County | 37.2% | $629 | $1,690 |
| 55 | Lee County | 37.3% | $720 | $1,931 |
| 56 | Bulloch County | 37.4% | $610 | $1,633 |
| 57 | Lowndes County | 37.4% | $630 | $1,687 |
| 58 | Floyd County | 37.4% | $619 | $1,655 |
| 59 | Murray County | 37.5% | $555 | $1,480 |
| 60 | Dade County | 37.8% | $541 | $1,430 |
| 61 | Clayton County | 37.9% | $634 | $1,672 |
| 62 | Lamar County | 37.9% | $657 | $1,732 |
| 63 | Thomas County | 37.9% | $605 | $1,594 |
| 64 | McIntosh County | 38.1% | $572 | $1,501 |
| 65 | Muscogee County | 38.2% | $601 | $1,574 |
| 66 | Spalding County | 38.2% | $650 | $1,700 |
| 67 | Heard County | 38.3% | $533 | $1,392 |
| 68 | Walker County | 38.3% | $576 | $1,504 |
| 69 | Long County | 38.4% | $655 | $1,704 |
| 70 | Baldwin County | 38.6% | $553 | $1,433 |
| 71 | Troup County | 38.7% | $633 | $1,635 |
| 72 | Stephens County | 38.9% | $572 | $1,470 |
| 73 | Polk County | 39.0% | $559 | $1,432 |
| 74 | Franklin County | 39.0% | $549 | $1,406 |
| 75 | Jones County | 39.3% | $603 | $1,536 |
| 76 | Lincoln County | 39.5% | $570 | $1,444 |
| 77 | Richmond County | 39.5% | $570 | $1,442 |
| 78 | Liberty County | 39.5% | $629 | $1,591 |
| 79 | Peach County | 39.7% | $653 | $1,646 |
| 80 | McDuffie County | 39.9% | $549 | $1,377 |
| 81 | Wayne County | 39.9% | $532 | $1,332 |
| 82 | Schley County | 40.2% | $550 | $1,366 |
| 83 | Meriwether County | 40.4% | $559 | $1,384 |
| 84 | Lanier County | 40.4% | $583 | $1,444 |
| 85 | Upson County | 40.5% | $543 | $1,341 |
| 86 | Crawford County | 40.6% | $528 | $1,301 |
| 87 | Bibb County | 40.6% | $605 | $1,490 |
| 88 | Laurens County | 40.8% | $505 | $1,238 |
| 89 | Decatur County | 40.9% | $541 | $1,321 |
| 90 | Pulaski County | 41.0% | $535 | $1,306 |
| 91 | Tift County | 41.2% | $536 | $1,300 |
| 92 | Early County | 41.7% | $497 | $1,191 |
| 93 | Marion County | 41.9% | $469 | $1,121 |
| 94 | Grady County | 42.0% | $527 | $1,256 |
| 95 | Evans County | 42.0% | $540 | $1,286 |
| 96 | Pierce County | 42.0% | $511 | $1,216 |
| 97 | Coffee County | 42.0% | $487 | $1,158 |
| 98 | Cook County | 42.4% | $483 | $1,139 |
| 99 | Candler County | 42.4% | $532 | $1,256 |
| 100 | Toombs County | 42.7% | $506 | $1,184 |
| 101 | Colquitt County | 42.8% | $484 | $1,132 |
| 102 | Bleckley County | 42.8% | $531 | $1,241 |
| 103 | Baker County | 42.9% | $482 | $1,123 |
| 104 | Charlton County | 43.2% | $484 | $1,119 |
| 105 | Glascock County | 43.2% | $500 | $1,155 |
| 106 | Talbot County | 43.3% | $519 | $1,198 |
| 107 | Tattnall County | 43.4% | $502 | $1,155 |
| 108 | Montgomery County | 43.6% | $488 | $1,119 |
| 109 | Berrien County | 44.0% | $484 | $1,099 |
| 110 | Elbert County | 44.1% | $482 | $1,094 |
| 111 | Screven County | 44.2% | $518 | $1,171 |
| 112 | Crisp County | 44.3% | $512 | $1,157 |
| 113 | Echols County | 44.3% | $478 | $1,079 |
| 114 | Jeff Davis County | 44.4% | $466 | $1,049 |
| 115 | Ben Hill County | 44.4% | $489 | $1,101 |
| 116 | Burke County | 44.5% | $461 | $1,036 |
| 117 | Twiggs County | 44.5% | $447 | $1,005 |
| 118 | Washington County | 44.5% | $495 | $1,112 |
| 119 | Dodge County | 44.6% | $467 | $1,047 |
| 120 | Dougherty County | 44.7% | $556 | $1,246 |
| 121 | Quitman County | 44.8% | $446 | $996 |
| 122 | Worth County | 44.8% | $487 | $1,087 |
| 123 | Sumter County | 44.9% | $532 | $1,185 |
| 124 | Terrell County | 44.9% | $486 | $1,081 |
| 125 | Ware County | 45.1% | $467 | $1,036 |
| 126 | Brooks County | 45.1% | $519 | $1,149 |
| 127 | Telfair County | 45.3% | $478 | $1,056 |
| 128 | Chattooga County | 45.4% | $438 | $965 |
| 129 | Bacon County | 45.5% | $463 | $1,019 |
| 130 | Seminole County | 45.5% | $498 | $1,093 |
| 131 | Miller County | 45.6% | $529 | $1,161 |
| 132 | Irwin County | 45.7% | $474 | $1,036 |
| 133 | Chattahoochee County | 45.9% | $452 | $984 |
| 134 | Wilkes County | 45.9% | $475 | $1,036 |
| 135 | Treutlen County | 45.9% | $446 | $971 |
| 136 | Mitchell County | 46.5% | $489 | $1,052 |
| 137 | Randolph County | 46.7% | $425 | $910 |
| 138 | Wilkinson County | 46.7% | $425 | $909 |
| 139 | Johnson County | 46.8% | $428 | $915 |
| 140 | Jefferson County | 46.8% | $438 | $935 |
| 141 | Webster County | 47.1% | $438 | $930 |
| 142 | Turner County | 47.1% | $453 | $961 |
| 143 | Clay County | 47.1% | $440 | $934 |
| 144 | Dooly County | 47.5% | $465 | $979 |
| 145 | Emanuel County | 47.5% | $426 | $897 |
| 146 | Brantley County | 47.6% | $445 | $935 |
| 147 | Hancock County | 47.7% | $426 | $893 |
| 148 | Taylor County | 48.1% | $410 | $852 |
| 149 | Appling County | 48.1% | $403 | $838 |
| 150 | Macon County | 48.5% | $437 | $902 |
| 151 | Jenkins County | 48.7% | $410 | $843 |
| 152 | Wheeler County | 49.1% | $384 | $782 |
| 153 | Calhoun County | 49.2% | $426 | $865 |
| 154 | Atkinson County | 49.3% | $396 | $803 |
| 155 | Warren County | 49.5% | $409 | $825 |
| 156 | Clinch County | 49.6% | $453 | $913 |
| 157 | Wilcox County | 51.0% | $396 | $776 |
| 158 | Taliaferro County | 51.3% | $412 | $802 |
| 159 | Stewart County | 57.7% | $385 | $668 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Georgia