Total monthly cost of ownership
Cost to Own a Home in Hawthorne, Nevada
A $187,000 home here costs
$1,447per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $961. The real number is $485 higher every month — 50% 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.
Hawthorne against Mineral County and Nevada
| Measure | Hawthorne | Mineral County |
|---|---|---|
| Median home value | $187,100 | $175,000 |
| Median property tax | $1,279 | $1,231 |
| Effective tax rate | 0.684% | 0.703% |
| Median gross rent | $1,298 | $1,130 |
| Population | 2,876 | 4,557 |
The weather behind that power bill
Hawthorne sits in Mineral County, which averages a high of 95.4°F in its hottest month and a low of 25.8°F in its coldest, with 4.15" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 1,297 cooling and 4,385 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Mineral County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mineral County
No other places of this size are published in Mineral County.
Common questions
How much does it cost to own a home in Hawthorne?
A $187,000 home in Hawthorne, Nevada costs approximately $1,447 per month with 20% down at 6.66%. That is $961 principal and interest, $107 property tax, $33 homeowners insurance, $190 utilities and $156 set aside for maintenance.
What is the property tax rate in Hawthorne?
Hawthorne has an effective property tax rate of 0.684%, based on a median home value of $187,100 and median real estate taxes of $1,279. That is lower than the Mineral County average of 0.703%.
What is the average home price in Hawthorne?
The median owner-occupied home value in Hawthorne, Nevada is $187,100, against $175,000 across Mineral County.
Is it cheaper to rent or buy in Hawthorne?
Median gross rent in Hawthorne is $1,298 a month, against $1,447 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 Hawthorne — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Nevada.
- 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.