Total monthly cost of ownership
Cost to Own a Home in Dieterich, Illinois
A $201,000 home here costs
$1,823per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,033. The real number is $789 higher every month — 76% 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.
Dieterich against Effingham County and Illinois
| Measure | Dieterich | Effingham County |
|---|---|---|
| Median home value | $201,200 | $179,800 |
| Median property tax | $3,133 | $2,713 |
| Effective tax rate | 1.557% | 1.509% |
| Median gross rent | $658 | $734 |
| Population | 1,171 | 34,505 |
The weather behind that power bill
Dieterich sits in Effingham County, which averages a high of 88.5°F in its hottest month and a low of 20.1°F in its coldest, with 44.01" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,298 cooling and 5,126 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Effingham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Effingham County
Full Effingham County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Dieterich?
A $201,000 home in Dieterich, Illinois costs approximately $1,823 per month with 20% down at 6.66%. That is $1,033 principal and interest, $261 property tax, $79 homeowners insurance, $282 utilities and $168 set aside for maintenance.
What is the property tax rate in Dieterich?
Dieterich has an effective property tax rate of 1.557%, based on a median home value of $201,200 and median real estate taxes of $3,133. That is higher than the Effingham County average of 1.509%.
What is the average home price in Dieterich?
The median owner-occupied home value in Dieterich, Illinois is $201,200, against $179,800 across Effingham County.
Is it cheaper to rent or buy in Dieterich?
Median gross rent in Dieterich is $658 a month, against $1,823 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 Dieterich — 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.