Total monthly cost of ownership
Cost to Own a Home in Carlinville, Illinois
A $108,000 home here costs
$1,119per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $555. The real number is $564 higher every month — 102% 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.
Carlinville against Macoupin County and Illinois
| Measure | Carlinville | Macoupin County |
|---|---|---|
| Median home value | $108,000 | $126,100 |
| Median property tax | $1,789 | $1,990 |
| Effective tax rate | 1.656% | 1.578% |
| Median gross rent | $736 | $789 |
| Population | 5,574 | 44,566 |
The weather behind that power bill
Carlinville sits in Macoupin County, which averages a high of 86.2°F in its hottest month and a low of 19.2°F in its coldest, with 40.01" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,142 cooling and 5,320 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Macoupin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Macoupin County
Full Macoupin County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Carlinville?
A $108,000 home in Carlinville, Illinois costs approximately $1,119 per month with 20% down at 6.66%. That is $555 principal and interest, $149 property tax, $42 homeowners insurance, $282 utilities and $90 set aside for maintenance.
What is the property tax rate in Carlinville?
Carlinville has an effective property tax rate of 1.656%, based on a median home value of $108,000 and median real estate taxes of $1,789. That is higher than the Macoupin County average of 1.578%.
What is the average home price in Carlinville?
The median owner-occupied home value in Carlinville, Illinois is $108,000, against $126,100 across Macoupin County.
Is it cheaper to rent or buy in Carlinville?
Median gross rent in Carlinville is $736 a month, against $1,119 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 Carlinville — 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.