Total monthly cost of ownership
Cost to Own a Home in Delphos, Ohio
A $125,000 home here costs
$1,125per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $643. The real number is $482 higher every month — 75% 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.
Delphos against Allen County and Ohio
| Measure | Delphos | Allen County |
|---|---|---|
| Median home value | $125,400 | $158,400 |
| Median property tax | $1,058 | $1,782 |
| Effective tax rate | 0.844% | 1.125% |
| Median gross rent | $830 | $898 |
| Population | 7,063 | 101,685 |
Delphos extends across 2 counties. Figures here use Allen County, where most of its housing sits.
The weather behind that power bill
Delphos sits in Allen County, which averages a high of 83.6°F in its hottest month and a low of 20.1°F in its coldest, with 35.77" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 847 cooling and 5,769 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Allen County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Allen County
Common questions
How much does it cost to own a home in Delphos?
A $125,000 home in Delphos, Ohio costs approximately $1,125 per month with 20% down at 6.66%. That is $643 principal and interest, $88 property tax, $46 homeowners insurance, $243 utilities and $104 set aside for maintenance.
What is the property tax rate in Delphos?
Delphos has an effective property tax rate of 0.844%, based on a median home value of $125,400 and median real estate taxes of $1,058. That is lower than the Allen County average of 1.125%.
What is the average home price in Delphos?
The median owner-occupied home value in Delphos, Ohio is $125,400, against $158,400 across Allen County.
Is it cheaper to rent or buy in Delphos?
Median gross rent in Delphos is $830 a month, against $1,125 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 Delphos — 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.