Total monthly cost of ownership
Cost to Own a Home in Beavercreek, Ohio
A $261,000 home here costs
$2,328per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,342. The real number is $987 higher every month — 74% 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.
Beavercreek against Greene County and Ohio
| Measure | Beavercreek | Greene County |
|---|---|---|
| Median home value | $261,200 | $238,000 |
| Median property tax | $5,148 | $4,021 |
| Effective tax rate | 1.971% | 1.689% |
| Median gross rent | $1,410 | $1,089 |
| Population | 46,787 | 168,531 |
The weather behind that power bill
Beavercreek sits in Greene County, which averages a high of 83.4°F in its hottest month and a low of 22.7°F in its coldest, with 43.26" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 967 cooling and 5,063 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Greene County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Greene County
Common questions
How much does it cost to own a home in Beavercreek?
A $261,000 home in Beavercreek, Ohio costs approximately $2,328 per month with 20% down at 6.66%. That is $1,342 principal and interest, $429 property tax, $97 homeowners insurance, $243 utilities and $218 set aside for maintenance.
What is the property tax rate in Beavercreek?
Beavercreek has an effective property tax rate of 1.971%, based on a median home value of $261,200 and median real estate taxes of $5,148. That is higher than the Greene County average of 1.689%.
What is the average home price in Beavercreek?
The median owner-occupied home value in Beavercreek, Ohio is $261,200, against $238,000 across Greene County.
Is it cheaper to rent or buy in Beavercreek?
Median gross rent in Beavercreek is $1,410 a month, against $2,328 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 Beavercreek — 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.