Total monthly cost of ownership
Cost to Own a Home in Holstein, Iowa
A $113,000 home here costs
$1,024per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $581. The real number is $443 higher every month — 76% 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.
Holstein against Ida County and Iowa
| Measure | Holstein | Ida County |
|---|---|---|
| Median home value | $113,200 | $108,800 |
| Median property tax | $1,256 | $1,158 |
| Effective tax rate | 1.110% | 1.064% |
| Median gross rent | $844 | $669 |
| Population | 1,552 | 6,944 |
The weather behind that power bill
Holstein sits in Ida County, which averages a high of 85.0°F in its hottest month and a low of 10.4°F in its coldest, with 29.27" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 866 cooling and 6,860 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Ida County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ida County
Common questions
How much does it cost to own a home in Holstein?
A $113,000 home in Holstein, Iowa costs approximately $1,024 per month with 20% down at 6.66%. That is $581 principal and interest, $105 property tax, $49 homeowners insurance, $195 utilities and $94 set aside for maintenance.
What is the property tax rate in Holstein?
Holstein has an effective property tax rate of 1.110%, based on a median home value of $113,200 and median real estate taxes of $1,256. That is higher than the Ida County average of 1.064%.
What is the average home price in Holstein?
The median owner-occupied home value in Holstein, Iowa is $113,200, against $108,800 across Ida County.
Is it cheaper to rent or buy in Holstein?
Median gross rent in Holstein is $844 a month, against $1,024 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 Holstein — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Iowa.
- 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.