Total monthly cost of ownership
Cost to Own a Home in Ashtabula, Ohio
A $99,000 home here costs
$991per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $509. The real number is $482 higher every month — 95% 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.
Ashtabula against Ashtabula County and Ohio
| Measure | Ashtabula | Ashtabula County |
|---|---|---|
| Median home value | $99,200 | $149,600 |
| Median property tax | $1,429 | $1,890 |
| Effective tax rate | 1.441% | 1.263% |
| Median gross rent | $790 | $816 |
| Population | 17,919 | 97,343 |
The weather behind that power bill
Ashtabula sits in Ashtabula County, which averages a high of 81.0°F in its hottest month and a low of 19.1°F in its coldest, with 37.07" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 523 cooling and 6,372 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Ashtabula County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ashtabula County
Common questions
How much does it cost to own a home in Ashtabula?
A $99,000 home in Ashtabula, Ohio costs approximately $991 per month with 20% down at 6.66%. That is $509 principal and interest, $119 property tax, $37 homeowners insurance, $243 utilities and $83 set aside for maintenance.
What is the property tax rate in Ashtabula?
Ashtabula has an effective property tax rate of 1.441%, based on a median home value of $99,200 and median real estate taxes of $1,429. That is higher than the Ashtabula County average of 1.263%.
What is the average home price in Ashtabula?
The median owner-occupied home value in Ashtabula, Ohio is $99,200, against $149,600 across Ashtabula County.
Is it cheaper to rent or buy in Ashtabula?
Median gross rent in Ashtabula is $790 a month, against $991 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 Ashtabula — 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.