The national average assumes a lot that cooperates. Lake lots around Oconee and Sinclair often do not. The septic field has to stay 50 feet from normal lake level, so it gets pushed up the slope toward the road while the house sits down by the water. That adds a pump tank and a pressure line. If the soil over the Piedmont rock is shallow, the county may only permit drip or aerobic designs, which HomeAdvisor prices at roughly double a conventional system.
Then there is the dirt work that never shows up in a septic quote but always shows up on the bill. Clearing for the field and a truck path, hauling stumps off a wooded lot, silt fence on a slope that drains to the cove, and a gravel drive firm enough for a concrete tank delivery all cost money. On Lake Oconee, Georgia Power also bars mechanical clearing in the 25-foot shoreline buffer without its approval, which shapes where machines can work.
One cost lake owners sometimes avoid: in Greene County, a single-family home that disturbs less than an acre and is not within 200 feet of state waters gets its land disturbance permit at no charge. Many lakefront lots are within 200 feet of the water, though, and those need a full erosion plan.