Total monthly cost of ownership
Cost to Own a Home in East Dubuque, Illinois
A $147,000 home here costs
$1,438per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $756. The real number is $683 higher every month — 90% 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.
East Dubuque against Jo Daviess County and Illinois
| Measure | East Dubuque | Jo Daviess County |
|---|---|---|
| Median home value | $146,800 | $193,900 |
| Median property tax | $2,640 | $3,383 |
| Effective tax rate | 1.798% | 1.745% |
| Median gross rent | $909 | $795 |
| Population | 1,427 | 21,918 |
The weather behind that power bill
East Dubuque sits in Jo Daviess County, which averages a high of 83.3°F in its hottest month and a low of 10.4°F in its coldest, with 39.35" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 677 cooling and 7,003 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Jo Daviess County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jo Daviess County
Full Jo Daviess County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in East Dubuque?
A $147,000 home in East Dubuque, Illinois costs approximately $1,438 per month with 20% down at 6.66%. That is $756 principal and interest, $220 property tax, $58 homeowners insurance, $282 utilities and $123 set aside for maintenance.
What is the property tax rate in East Dubuque?
East Dubuque has an effective property tax rate of 1.798%, based on a median home value of $146,800 and median real estate taxes of $2,640. That is higher than the Jo Daviess County average of 1.745%.
What is the average home price in East Dubuque?
The median owner-occupied home value in East Dubuque, Illinois is $146,800, against $193,900 across Jo Daviess County.
Is it cheaper to rent or buy in East Dubuque?
Median gross rent in East Dubuque is $909 a month, against $1,438 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 East Dubuque — 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.