Total monthly cost of ownership
Cost to Own a Home in Bethel, Ohio
A $143,000 home here costs
$1,297per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $735. The real number is $562 higher every month — 76% 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.
Bethel against Clermont County and Ohio
| Measure | Bethel | Clermont County |
|---|---|---|
| Median home value | $142,700 | $245,600 |
| Median property tax | $1,754 | $3,141 |
| Effective tax rate | 1.229% | 1.279% |
| Median gross rent | $692 | $1,040 |
| Population | 2,639 | 209,862 |
The weather behind that power bill
Bethel sits in Clermont County, which averages a high of 86.6°F in its hottest month and a low of 23.6°F in its coldest, with 43.4" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,126 cooling and 4,804 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Clermont County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clermont County
Common questions
How much does it cost to own a home in Bethel?
A $143,000 home in Bethel, Ohio costs approximately $1,297 per month with 20% down at 6.66%. That is $735 principal and interest, $146 property tax, $53 homeowners insurance, $243 utilities and $119 set aside for maintenance.
What is the property tax rate in Bethel?
Bethel has an effective property tax rate of 1.229%, based on a median home value of $142,700 and median real estate taxes of $1,754. That is lower than the Clermont County average of 1.279%.
What is the average home price in Bethel?
The median owner-occupied home value in Bethel, Ohio is $142,700, against $245,600 across Clermont County.
Is it cheaper to rent or buy in Bethel?
Median gross rent in Bethel is $692 a month, against $1,297 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 Bethel — 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.