Total monthly cost of ownership
Cost to Own a Home in Greenville, Ohio
A $147,000 home here costs
$1,325per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $57,000 a year.
A standard mortgage calculator would have told you $801. The real number is $524 higher every month, 65% more than the payment most buyers budget for.
Compare Darke County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Greenville against Darke County and Ohio
| Measure | Greenville | Darke County |
|---|---|---|
| Median home value | $147,200 | $169,100 |
| Median property tax | $1,376 | $1,572 |
| Effective tax rate | 0.935% | 0.930% |
| Median gross rent | $710 | $747 |
| Population | 12,748 | 51,655 |
The weather behind that power bill
Greenville sits in Darke County, which averages a high of 84.6°F in its hottest month and a low of 19.0°F in its coldest, with 40.26" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 933 cooling and 5,672 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Darke County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Darke County
Talk to someone who works this market
These are Greenville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Greenville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Greenville I already own here and may sell
Common questions
How much does it cost to own a home in Greenville?
A $147,000 home in Greenville, Ohio costs approximately $1,325 per month with 20% down at 7.24%. That is $801 principal and interest, $115 property tax, $55 homeowners insurance, $232 utilities and $123 set aside for maintenance.
What is the property tax rate in Greenville?
Greenville has an effective property tax rate of 0.935%, based on a median home value of $147,200 and median real estate taxes of $1,376. That is in line with the Darke County average of 0.930%.
What is the average home price in Greenville?
The median owner-occupied home value in Greenville, Ohio is $147,200, against $169,100 across Darke County.
Is it cheaper to rent or buy in Greenville?
Median gross rent in Greenville is $710 a month, against $1,325 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Greenville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Greenville, Ohio at today's rate takes a household income of roughly $57,000 a year. That covers the full $1,325 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Greenville, 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.