Total monthly cost of ownership
Cost to Own a Home in Andrews, Indiana
A $85,000 home here costs
$844per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $407 higher every month — 93% 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.
Andrews against Huntington County and Indiana
| Measure | Andrews | Huntington County |
|---|---|---|
| Median home value | $84,600 | $146,400 |
| Median property tax | $821 | $1,070 |
| Effective tax rate | 0.970% | 0.731% |
| Median gross rent | $681 | $866 |
| Population | 1,068 | 36,757 |
The weather behind that power bill
Andrews sits in Huntington County, which averages a high of 84.4°F in its hottest month and a low of 17.0°F in its coldest, with 40.62" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 780 cooling and 6,170 heating degree days, which is what sets the $163 electricity line above.
See the full climate breakdown for Huntington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Huntington County
Full Huntington County cost breakdown · Every county in Indiana
Common questions
How much does it cost to own a home in Andrews?
A $85,000 home in Andrews, Indiana costs approximately $844 per month with 20% down at 6.66%. That is $437 principal and interest, $69 property tax, $36 homeowners insurance, $231 utilities and $71 set aside for maintenance.
What is the property tax rate in Andrews?
Andrews has an effective property tax rate of 0.970%, based on a median home value of $84,600 and median real estate taxes of $821. That is higher than the Huntington County average of 0.731%.
What is the average home price in Andrews?
The median owner-occupied home value in Andrews, Indiana is $84,600, against $146,400 across Huntington County.
Is it cheaper to rent or buy in Andrews?
Median gross rent in Andrews is $681 a month, against $844 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 Andrews — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Indiana.
- 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.