Total monthly cost of ownership
Cost to Own a Home in Atwater, Ohio
A $101,000 home here costs
$1,021per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $519. The real number is $502 higher every month — 97% 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.
Atwater against Portage County and Ohio
| Measure | Atwater | Portage County |
|---|---|---|
| Median home value | $101,100 | $210,500 |
| Median property tax | $1,638 | $2,728 |
| Effective tax rate | 1.620% | 1.296% |
| Median gross rent | $1,071 | $1,036 |
| Population | 1,007 | 161,421 |
The weather behind that power bill
Atwater sits in Portage County, which averages a high of 84.5°F in its hottest month and a low of 17.0°F in its coldest, with 43.07" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 645 cooling and 6,398 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Portage County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Portage County
Common questions
How much does it cost to own a home in Atwater?
A $101,000 home in Atwater, Ohio costs approximately $1,021 per month with 20% down at 6.66%. That is $519 principal and interest, $136 property tax, $38 homeowners insurance, $243 utilities and $84 set aside for maintenance.
What is the property tax rate in Atwater?
Atwater has an effective property tax rate of 1.620%, based on a median home value of $101,100 and median real estate taxes of $1,638. That is higher than the Portage County average of 1.296%.
What is the average home price in Atwater?
The median owner-occupied home value in Atwater, Ohio is $101,100, against $210,500 across Portage County.
Is it cheaper to rent or buy in Atwater?
Median gross rent in Atwater is $1,071 a month, against $1,021 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Atwater — 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.