Total monthly cost of ownership
Cost to Own a Home in Bath, Michigan
A $203,000 home here costs
$1,772per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,044. The real number is $728 higher every month — 70% 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.
Bath against Clinton County and Michigan
| Measure | Bath | Clinton County |
|---|---|---|
| Median home value | $202,600 | $243,700 |
| Median property tax | $2,606 | $3,048 |
| Effective tax rate | 1.286% | 1.251% |
| Median gross rent | $1,251 | $1,039 |
| Population | 2,938 | 79,419 |
The weather behind that power bill
Bath sits in Clinton County, which averages a high of 83.2°F in its hottest month and a low of 17.7°F in its coldest, with 34" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 745 cooling and 6,507 heating degree days, which is what sets the $198 electricity line above.
See the full climate breakdown for Clinton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clinton County
Full Clinton County cost breakdown · Every county in Michigan
Common questions
How much does it cost to own a home in Bath?
A $203,000 home in Bath, Michigan costs approximately $1,772 per month with 20% down at 6.66%. That is $1,044 principal and interest, $218 property tax, $76 homeowners insurance, $266 utilities and $169 set aside for maintenance.
What is the property tax rate in Bath?
Bath has an effective property tax rate of 1.286%, based on a median home value of $202,600 and median real estate taxes of $2,606. That is higher than the Clinton County average of 1.251%.
What is the average home price in Bath?
The median owner-occupied home value in Bath, Michigan is $202,600, against $243,700 across Clinton County.
Is it cheaper to rent or buy in Bath?
Median gross rent in Bath is $1,251 a month, against $1,772 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 Bath — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Michigan.
- 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.