Total monthly cost of ownership
Cost to Own a Home in Guthrie, Kentucky
A $122,000 home here costs
$1,054per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $627. The real number is $427 higher every month — 68% 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.
Guthrie against Todd County and Kentucky
| Measure | Guthrie | Todd County |
|---|---|---|
| Median home value | $122,200 | $157,400 |
| Median property tax | $699 | $870 |
| Effective tax rate | 0.572% | 0.553% |
| Median gross rent | $827 | $841 |
| Population | 1,377 | 12,330 |
The weather behind that power bill
Guthrie sits in Todd County, which averages a high of 88.1°F in its hottest month and a low of 24.4°F in its coldest, with 52.14" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,499 cooling and 4,248 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Todd County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Todd County
Common questions
How much does it cost to own a home in Guthrie?
A $122,000 home in Guthrie, Kentucky costs approximately $1,054 per month with 20% down at 6.66%. That is $627 principal and interest, $58 property tax, $64 homeowners insurance, $203 utilities and $102 set aside for maintenance.
What is the property tax rate in Guthrie?
Guthrie has an effective property tax rate of 0.572%, based on a median home value of $122,200 and median real estate taxes of $699. That is higher than the Todd County average of 0.553%.
What is the average home price in Guthrie?
The median owner-occupied home value in Guthrie, Kentucky is $122,200, against $157,400 across Todd County.
Is it cheaper to rent or buy in Guthrie?
Median gross rent in Guthrie is $827 a month, against $1,054 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 Guthrie — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Kentucky.
- 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.