Total monthly cost of ownership
Cost to Own a Home in Circleville, Ohio
A $182,000 home here costs
$1,622per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $69,500 a year.
A standard mortgage calculator would have told you $992. The real number is $629 higher every month, 63% more than the payment most buyers budget for.
Compare Pickaway County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Circleville against Pickaway County and Ohio
| Measure | Circleville | Pickaway County |
|---|---|---|
| Median home value | $182,400 | $235,700 |
| Median property tax | $2,142 | $2,438 |
| Effective tax rate | 1.174% | 1.034% |
| Median gross rent | $903 | $965 |
| Population | 14,144 | 59,407 |
The weather behind that power bill
Circleville sits in Pickaway County, which averages a high of 85.8°F in its hottest month and a low of 23.0°F in its coldest, with 40.94" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,129 cooling and 5,003 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Pickaway County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pickaway County
Talk to someone who works this market
These are Circleville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Circleville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Circleville I already own here and may sell
Common questions
How much does it cost to own a home in Circleville?
A $182,000 home in Circleville, Ohio costs approximately $1,622 per month with 20% down at 7.24%. That is $992 principal and interest, $178 property tax, $68 homeowners insurance, $232 utilities and $152 set aside for maintenance.
What is the property tax rate in Circleville?
Circleville has an effective property tax rate of 1.174%, based on a median home value of $182,400 and median real estate taxes of $2,142. That is higher than the Pickaway County average of 1.034%.
What is the average home price in Circleville?
The median owner-occupied home value in Circleville, Ohio is $182,400, against $235,700 across Pickaway County.
Is it cheaper to rent or buy in Circleville?
Median gross rent in Circleville is $903 a month, against $1,622 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Circleville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Circleville, Ohio at today's rate takes a household income of roughly $69,500 a year. That covers the full $1,622 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Circleville, 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.