Total monthly cost of ownership
Cost to Own a Home in Gallipolis, Ohio
A $120,000 home here costs
$1,102per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $617. The real number is $485 higher every month — 79% 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.
Gallipolis against Gallia County and Ohio
| Measure | Gallipolis | Gallia County |
|---|---|---|
| Median home value | $119,800 | $135,000 |
| Median property tax | $1,160 | $1,351 |
| Effective tax rate | 0.968% | 1.001% |
| Median gross rent | $798 | $798 |
| Population | 3,352 | 29,162 |
The weather behind that power bill
Gallipolis sits in Gallia County, which averages a high of 86.2°F in its hottest month and a low of 23.1°F in its coldest, with 44.53" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,148 cooling and 4,793 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Gallia County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Gallia County
Common questions
How much does it cost to own a home in Gallipolis?
A $120,000 home in Gallipolis, Ohio costs approximately $1,102 per month with 20% down at 6.66%. That is $617 principal and interest, $97 property tax, $45 homeowners insurance, $243 utilities and $100 set aside for maintenance.
What is the property tax rate in Gallipolis?
Gallipolis has an effective property tax rate of 0.968%, based on a median home value of $119,800 and median real estate taxes of $1,160. That is lower than the Gallia County average of 1.001%.
What is the average home price in Gallipolis?
The median owner-occupied home value in Gallipolis, Ohio is $119,800, against $135,000 across Gallia County.
Is it cheaper to rent or buy in Gallipolis?
Median gross rent in Gallipolis is $798 a month, against $1,102 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 Gallipolis — 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.