Total monthly cost of ownership
Cost to Own a Home in De Graff, Ohio
A $169,000 home here costs
$1,422per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $869. The real number is $553 higher every month — 64% 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.
De Graff against Logan County and Ohio
| Measure | De Graff | Logan County |
|---|---|---|
| Median home value | $169,000 | $186,200 |
| Median property tax | $1,275 | $1,947 |
| Effective tax rate | 0.754% | 1.046% |
| Median gross rent | $838 | $832 |
| Population | 1,442 | 46,140 |
The weather behind that power bill
De Graff sits in Logan County, which averages a high of 82.6°F in its hottest month and a low of 17.6°F in its coldest, with 42.64" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 803 cooling and 6,027 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Logan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Logan County
Common questions
How much does it cost to own a home in De Graff?
A $169,000 home in De Graff, Ohio costs approximately $1,422 per month with 20% down at 6.66%. That is $869 principal and interest, $106 property tax, $63 homeowners insurance, $243 utilities and $141 set aside for maintenance.
What is the property tax rate in De Graff?
De Graff has an effective property tax rate of 0.754%, based on a median home value of $169,000 and median real estate taxes of $1,275. That is lower than the Logan County average of 1.046%.
What is the average home price in De Graff?
The median owner-occupied home value in De Graff, Ohio is $169,000, against $186,200 across Logan County.
Is it cheaper to rent or buy in De Graff?
Median gross rent in De Graff is $838 a month, against $1,422 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 De Graff — 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.