Total monthly cost of ownership
Cost to Own a Home in Hawesville, Kentucky
A $151,000 home here costs
$1,280per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $776. The real number is $504 higher every month — 65% 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.
Hawesville against Hancock County and Kentucky
| Measure | Hawesville | Hancock County |
|---|---|---|
| Median home value | $151,100 | $137,600 |
| Median property tax | $1,149 | $935 |
| Effective tax rate | 0.760% | 0.680% |
| Median gross rent | $703 | $752 |
| Population | 1,221 | 9,032 |
The weather behind that power bill
Hawesville sits in Hancock County, which averages a high of 86.8°F in its hottest month and a low of 26.5°F in its coldest, with 49.02" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,450 cooling and 4,217 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Hancock County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hancock County
Full Hancock County cost breakdown · Every county in Kentucky
Common questions
How much does it cost to own a home in Hawesville?
A $151,000 home in Hawesville, Kentucky costs approximately $1,280 per month with 20% down at 6.66%. That is $776 principal and interest, $96 property tax, $79 homeowners insurance, $203 utilities and $126 set aside for maintenance.
What is the property tax rate in Hawesville?
Hawesville has an effective property tax rate of 0.760%, based on a median home value of $151,100 and median real estate taxes of $1,149. That is higher than the Hancock County average of 0.680%.
What is the average home price in Hawesville?
The median owner-occupied home value in Hawesville, Kentucky is $151,100, against $137,600 across Hancock County.
Is it cheaper to rent or buy in Hawesville?
Median gross rent in Hawesville is $703 a month, against $1,280 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 Hawesville — 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.