Total monthly cost of ownership
Cost to Own a Home in Churchill, Ohio
A $99,000 home here costs
$1,030per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $509. The real number is $521 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.
Churchill against Trumbull County and Ohio
| Measure | Churchill | Trumbull County |
|---|---|---|
| Median home value | $98,500 | $128,100 |
| Median property tax | $1,890 | $1,806 |
| Effective tax rate | 1.919% | 1.410% |
| Median gross rent | $745 | $783 |
| Population | 1,775 | 201,367 |
The weather behind that power bill
Churchill sits in Trumbull County, which averages a high of 82.1°F in its hottest month and a low of 17.6°F in its coldest, with 42.67" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 556 cooling and 6,282 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Trumbull County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Trumbull County
Common questions
How much does it cost to own a home in Churchill?
A $99,000 home in Churchill, Ohio costs approximately $1,030 per month with 20% down at 6.66%. That is $509 principal and interest, $158 property tax, $37 homeowners insurance, $243 utilities and $83 set aside for maintenance.
What is the property tax rate in Churchill?
Churchill has an effective property tax rate of 1.919%, based on a median home value of $98,500 and median real estate taxes of $1,890. That is higher than the Trumbull County average of 1.410%.
What is the average home price in Churchill?
The median owner-occupied home value in Churchill, Ohio is $98,500, against $128,100 across Trumbull County.
Is it cheaper to rent or buy in Churchill?
Median gross rent in Churchill is $745 a month, against $1,030 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 Churchill — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Ohio.
- 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.