Total monthly cost of ownership
Cost to Own a Home in Capron, Illinois
A $156,000 home here costs
$1,565per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $802. The real number is $763 higher every month — 95% 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.
Capron against Boone County and Illinois
| Measure | Capron | Boone County |
|---|---|---|
| Median home value | $155,800 | $198,600 |
| Median property tax | $3,471 | $4,507 |
| Effective tax rate | 2.228% | 2.269% |
| Median gross rent | $769 | $1,011 |
| Population | 1,328 | 53,316 |
The weather behind that power bill
Capron sits in Boone County, which averages a high of 83.9°F in its hottest month and a low of 14.5°F in its coldest, with 37.24" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 839 cooling and 6,497 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Boone County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Boone County
Common questions
How much does it cost to own a home in Capron?
A $156,000 home in Capron, Illinois costs approximately $1,565 per month with 20% down at 6.66%. That is $802 principal and interest, $290 property tax, $61 homeowners insurance, $282 utilities and $130 set aside for maintenance.
What is the property tax rate in Capron?
Capron has an effective property tax rate of 2.228%, based on a median home value of $155,800 and median real estate taxes of $3,471. That is lower than the Boone County average of 2.269%.
What is the average home price in Capron?
The median owner-occupied home value in Capron, Illinois is $155,800, against $198,600 across Boone County.
Is it cheaper to rent or buy in Capron?
Median gross rent in Capron is $769 a month, against $1,565 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 Capron — 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.