Total monthly cost of ownership
Cost to Own a Home in Apple Creek, Ohio
A $167,000 home here costs
$1,450per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $859. The real number is $591 higher every month — 69% 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.
Apple Creek against Wayne County and Ohio
| Measure | Apple Creek | Wayne County |
|---|---|---|
| Median home value | $167,200 | $204,600 |
| Median property tax | $1,762 | $2,457 |
| Effective tax rate | 1.054% | 1.201% |
| Median gross rent | $931 | $849 |
| Population | 1,077 | 116,618 |
The weather behind that power bill
Apple Creek sits in Wayne County, which averages a high of 82.4°F in its hottest month and a low of 18.0°F in its coldest, with 36.86" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 591 cooling and 6,193 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Wayne County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Wayne County
Common questions
How much does it cost to own a home in Apple Creek?
A $167,000 home in Apple Creek, Ohio costs approximately $1,450 per month with 20% down at 6.66%. That is $859 principal and interest, $147 property tax, $62 homeowners insurance, $243 utilities and $139 set aside for maintenance.
What is the property tax rate in Apple Creek?
Apple Creek has an effective property tax rate of 1.054%, based on a median home value of $167,200 and median real estate taxes of $1,762. That is lower than the Wayne County average of 1.201%.
What is the average home price in Apple Creek?
The median owner-occupied home value in Apple Creek, Ohio is $167,200, against $204,600 across Wayne County.
Is it cheaper to rent or buy in Apple Creek?
Median gross rent in Apple Creek is $931 a month, against $1,450 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 Apple Creek — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Ohio.
- 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.