Total monthly cost of ownership
Cost to Own a Home in Carlyle, Illinois
A $152,000 home here costs
$1,471per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $781. The real number is $689 higher every month — 88% 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.
Carlyle against Clinton County and Illinois
| Measure | Carlyle | Clinton County |
|---|---|---|
| Median home value | $151,900 | $180,500 |
| Median property tax | $2,646 | $3,356 |
| Effective tax rate | 1.742% | 1.859% |
| Median gross rent | $1,051 | $934 |
| Population | 3,134 | 36,899 |
The weather behind that power bill
Carlyle 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 Carlyle?
A $152,000 home in Carlyle, Illinois costs approximately $1,471 per month with 20% down at 6.66%. That is $781 principal and interest, $221 property tax, $60 homeowners insurance, $282 utilities and $127 set aside for maintenance.
What is the property tax rate in Carlyle?
Carlyle has an effective property tax rate of 1.742%, based on a median home value of $151,900 and median real estate taxes of $2,646. That is lower than the Clinton County average of 1.859%.
What is the average home price in Carlyle?
The median owner-occupied home value in Carlyle, Illinois is $151,900, against $180,500 across Clinton County.
Is it cheaper to rent or buy in Carlyle?
Median gross rent in Carlyle is $1,051 a month, against $1,471 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 Carlyle — 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.