Total monthly cost of ownership
Cost to Own a Home in Fairfield Beach, Ohio
A $202,000 home here costs
$1,680per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,038. The real number is $641 higher every month — 62% 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.
Fairfield Beach against Fairfield County and Ohio
| Measure | Fairfield Beach | Fairfield County |
|---|---|---|
| Median home value | $201,900 | $272,200 |
| Median property tax | $1,849 | $3,123 |
| Effective tax rate | 0.916% | 1.147% |
| Median gross rent | — | $1,114 |
| Population | 1,159 | 161,289 |
The weather behind that power bill
Fairfield Beach sits in Fairfield County, which averages a high of 84.4°F in its hottest month and a low of 20.3°F in its coldest, with 40.3" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 824 cooling and 5,472 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Fairfield County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fairfield County
Common questions
How much does it cost to own a home in Fairfield Beach?
A $202,000 home in Fairfield Beach, Ohio costs approximately $1,680 per month with 20% down at 6.66%. That is $1,038 principal and interest, $154 property tax, $75 homeowners insurance, $243 utilities and $168 set aside for maintenance.
What is the property tax rate in Fairfield Beach?
Fairfield Beach has an effective property tax rate of 0.916%, based on a median home value of $201,900 and median real estate taxes of $1,849. That is lower than the Fairfield County average of 1.147%.
What is the average home price in Fairfield Beach?
The median owner-occupied home value in Fairfield Beach, Ohio is $201,900, against $272,200 across Fairfield County.
Is it cheaper to rent or buy in Fairfield Beach?
Rent data is not published for Fairfield Beach at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fairfield Beach — 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.