Total monthly cost of ownership
Cost to Own a Home in Astoria, Illinois
A $64,000 home here costs
$836per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $329. The real number is $507 higher every month — 154% 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.
Astoria against Fulton County and Illinois
| Measure | Astoria | Fulton County |
|---|---|---|
| Median home value | $63,700 | $102,500 |
| Median property tax | $1,741 | $2,186 |
| Effective tax rate | 2.733% | 2.133% |
| Median gross rent | $668 | $808 |
| Population | 1,094 | 33,259 |
The weather behind that power bill
Astoria sits in Fulton County, which averages a high of 88.1°F in its hottest month and a low of 16.4°F in its coldest, with 41.04" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,161 cooling and 5,686 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Fulton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fulton County
Full Fulton County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Astoria?
A $64,000 home in Astoria, Illinois costs approximately $836 per month with 20% down at 6.66%. That is $329 principal and interest, $146 property tax, $25 homeowners insurance, $282 utilities and $53 set aside for maintenance.
What is the property tax rate in Astoria?
Astoria has an effective property tax rate of 2.733%, based on a median home value of $63,700 and median real estate taxes of $1,741. That is higher than the Fulton County average of 2.133%.
What is the average home price in Astoria?
The median owner-occupied home value in Astoria, Illinois is $63,700, against $102,500 across Fulton County.
Is it cheaper to rent or buy in Astoria?
Median gross rent in Astoria is $668 a month, against $836 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 Astoria — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Illinois.
- 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.