Total monthly cost of ownership
Cost to Own a Home in Breese, Illinois
A $205,000 home here costs
$1,905per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,054. The real number is $851 higher every month — 81% 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.
Breese against Clinton County and Illinois
| Measure | Breese | Clinton County |
|---|---|---|
| Median home value | $204,600 | $180,500 |
| Median property tax | $3,799 | $3,356 |
| Effective tax rate | 1.857% | 1.859% |
| Median gross rent | $771 | $934 |
| Population | 4,373 | 36,899 |
The weather behind that power bill
Breese sits in Clinton County, which averages a high of 88.3°F in its hottest month and a low of 21.5°F in its coldest, with 45.86" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,438 cooling and 4,780 heating degree days, which is what sets the $214 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 Illinois
Common questions
How much does it cost to own a home in Breese?
A $205,000 home in Breese, Illinois costs approximately $1,905 per month with 20% down at 6.66%. That is $1,054 principal and interest, $317 property tax, $80 homeowners insurance, $282 utilities and $171 set aside for maintenance.
What is the property tax rate in Breese?
Breese has an effective property tax rate of 1.857%, based on a median home value of $204,600 and median real estate taxes of $3,799. That is in line with the Clinton County average of 1.859%.
What is the average home price in Breese?
The median owner-occupied home value in Breese, Illinois is $204,600, against $180,500 across Clinton County.
Is it cheaper to rent or buy in Breese?
Median gross rent in Breese is $771 a month, against $1,905 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 Breese — 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.