Total monthly cost of ownership
Cost to Own a Home in Carbon Cliff, Illinois
A $125,000 home here costs
$1,291per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $643. The real number is $649 higher every month — 101% 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.
Carbon Cliff against Rock Island County and Illinois
| Measure | Carbon Cliff | Rock Island County |
|---|---|---|
| Median home value | $124,600 | $144,700 |
| Median property tax | $2,551 | $3,372 |
| Effective tax rate | 2.047% | 2.330% |
| Median gross rent | $972 | $863 |
| Population | 2,248 | 142,995 |
The weather behind that power bill
Carbon Cliff sits in Rock Island County, which averages a high of 86.1°F in its hottest month and a low of 14.8°F in its coldest, with 38.27" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 1,041 cooling and 6,024 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Rock Island County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rock Island County
Full Rock Island County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Carbon Cliff?
A $125,000 home in Carbon Cliff, Illinois costs approximately $1,291 per month with 20% down at 6.66%. That is $643 principal and interest, $213 property tax, $49 homeowners insurance, $282 utilities and $104 set aside for maintenance.
What is the property tax rate in Carbon Cliff?
Carbon Cliff has an effective property tax rate of 2.047%, based on a median home value of $124,600 and median real estate taxes of $2,551. That is lower than the Rock Island County average of 2.330%.
What is the average home price in Carbon Cliff?
The median owner-occupied home value in Carbon Cliff, Illinois is $124,600, against $144,700 across Rock Island County.
Is it cheaper to rent or buy in Carbon Cliff?
Median gross rent in Carbon Cliff is $972 a month, against $1,291 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 Carbon Cliff — 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.