Total monthly cost of ownership
Cost to Own a Home in English, Indiana
A $86,000 home here costs
$839per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $442. The real number is $396 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.
English against Crawford County and Indiana
| Measure | English | Crawford County |
|---|---|---|
| Median home value | $86,300 | $115,400 |
| Median property tax | $685 | $851 |
| Effective tax rate | 0.794% | 0.737% |
| Median gross rent | $405 | $629 |
| Population | 1,025 | 10,494 |
The weather behind that power bill
English sits in Crawford County, which averages a high of 88.1°F in its hottest month and a low of 23.8°F in its coldest, with 50.98" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,302 cooling and 4,436 heating degree days, which is what sets the $163 electricity line above.
See the full climate breakdown for Crawford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Crawford County
No other places of this size are published in Crawford County.
Full Crawford County cost breakdown · Every county in Indiana
Common questions
How much does it cost to own a home in English?
A $86,000 home in English, Indiana costs approximately $839 per month with 20% down at 6.66%. That is $442 principal and interest, $57 property tax, $37 homeowners insurance, $231 utilities and $72 set aside for maintenance.
What is the property tax rate in English?
English has an effective property tax rate of 0.794%, based on a median home value of $86,300 and median real estate taxes of $685. That is higher than the Crawford County average of 0.737%.
What is the average home price in English?
The median owner-occupied home value in English, Indiana is $86,300, against $115,400 across Crawford County.
Is it cheaper to rent or buy in English?
Median gross rent in English is $405 a month, against $839 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 English — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Indiana.
- 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.