Total monthly cost of ownership
Cost to Own a Home in Holgate, Ohio
A $99,000 home here costs
$970per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $509. The real number is $461 higher every month — 91% 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.
Holgate against Henry County and Ohio
| Measure | Holgate | Henry County |
|---|---|---|
| Median home value | $99,300 | $166,000 |
| Median property tax | $1,181 | $1,954 |
| Effective tax rate | 1.189% | 1.177% |
| Median gross rent | $742 | $866 |
| Population | 1,033 | 27,581 |
The weather behind that power bill
Holgate sits in Henry County, which averages a high of 83.9°F in its hottest month and a low of 17.4°F in its coldest, with 37.32" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 827 cooling and 6,183 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Henry County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Henry County
Common questions
How much does it cost to own a home in Holgate?
A $99,000 home in Holgate, Ohio costs approximately $970 per month with 20% down at 6.66%. That is $509 principal and interest, $98 property tax, $37 homeowners insurance, $243 utilities and $83 set aside for maintenance.
What is the property tax rate in Holgate?
Holgate has an effective property tax rate of 1.189%, based on a median home value of $99,300 and median real estate taxes of $1,181. That is higher than the Henry County average of 1.177%.
What is the average home price in Holgate?
The median owner-occupied home value in Holgate, Ohio is $99,300, against $166,000 across Henry County.
Is it cheaper to rent or buy in Holgate?
Median gross rent in Holgate is $742 a month, against $970 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 Holgate — 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.