Total monthly cost of ownership
Cost to Own a Home in Beardstown, Illinois
A $81,000 home here costs
$915per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $416. The real number is $499 higher every month — 120% 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.
Beardstown against Cass County and Illinois
| Measure | Beardstown | Cass County |
|---|---|---|
| Median home value | $80,800 | $95,500 |
| Median property tax | $1,405 | $2,007 |
| Effective tax rate | 1.739% | 2.102% |
| Median gross rent | $769 | $723 |
| Population | 6,047 | 12,826 |
The weather behind that power bill
Beardstown sits in Cass County, which averages a high of 86.8°F in its hottest month and a low of 19.9°F in its coldest, with 38.04" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,252 cooling and 5,215 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Cass County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cass County
Common questions
How much does it cost to own a home in Beardstown?
A $81,000 home in Beardstown, Illinois costs approximately $915 per month with 20% down at 6.66%. That is $416 principal and interest, $117 property tax, $32 homeowners insurance, $282 utilities and $68 set aside for maintenance.
What is the property tax rate in Beardstown?
Beardstown has an effective property tax rate of 1.739%, based on a median home value of $80,800 and median real estate taxes of $1,405. That is lower than the Cass County average of 2.102%.
What is the average home price in Beardstown?
The median owner-occupied home value in Beardstown, Illinois is $80,800, against $95,500 across Cass County.
Is it cheaper to rent or buy in Beardstown?
Median gross rent in Beardstown is $769 a month, against $915 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 Beardstown — 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.