Total monthly cost of ownership
Cost to Own a Home in Carbondale, Illinois
A $125,000 home here costs
$1,341per 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 $698 higher every month — 109% 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.
Carbondale against Williamson County and Illinois
| Measure | Carbondale | Williamson County |
|---|---|---|
| Median home value | $124,800 | $145,600 |
| Median property tax | $3,145 | $2,490 |
| Effective tax rate | 2.520% | 1.710% |
| Median gross rent | $750 | $897 |
| Population | 21,813 | 66,902 |
Carbondale extends across 2 counties. Figures here use Williamson County, where most of its housing sits.
The weather behind that power bill
Carbondale sits in Williamson County, which averages a high of 88.4°F in its hottest month and a low of 24.8°F in its coldest, with 44.01" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,370 cooling and 4,460 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Williamson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Williamson County
Full Williamson County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Carbondale?
A $125,000 home in Carbondale, Illinois costs approximately $1,341 per month with 20% down at 6.66%. That is $643 principal and interest, $263 property tax, $49 homeowners insurance, $282 utilities and $104 set aside for maintenance.
What is the property tax rate in Carbondale?
Carbondale has an effective property tax rate of 2.520%, based on a median home value of $124,800 and median real estate taxes of $3,145. That is higher than the Williamson County average of 1.710%.
What is the average home price in Carbondale?
The median owner-occupied home value in Carbondale, Illinois is $124,800, against $145,600 across Williamson County.
Is it cheaper to rent or buy in Carbondale?
Median gross rent in Carbondale is $750 a month, against $1,341 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 Carbondale — 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.