Total monthly cost of ownership
Cost to Own a Home in Ina, Illinois
A $89,000 home here costs
$916per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $458. The real number is $458 higher every month — 100% 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.
Ina against Jefferson County and Illinois
| Measure | Ina | Jefferson County |
|---|---|---|
| Median home value | $88,500 | $118,400 |
| Median property tax | $800 | $2,026 |
| Effective tax rate | 0.904% | 1.711% |
| Median gross rent | $538 | $862 |
| Population | 1,600 | 36,808 |
The weather behind that power bill
Ina sits in Jefferson County, which averages a high of 85.7°F in its hottest month and a low of 21.7°F in its coldest, with 44.97" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,191 cooling and 4,998 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Jefferson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Ina?
A $89,000 home in Ina, Illinois costs approximately $916 per month with 20% down at 6.66%. That is $458 principal and interest, $67 property tax, $35 homeowners insurance, $282 utilities and $74 set aside for maintenance.
What is the property tax rate in Ina?
Ina has an effective property tax rate of 0.904%, based on a median home value of $88,500 and median real estate taxes of $800. That is lower than the Jefferson County average of 1.711%.
What is the average home price in Ina?
The median owner-occupied home value in Ina, Illinois is $88,500, against $118,400 across Jefferson County.
Is it cheaper to rent or buy in Ina?
Median gross rent in Ina is $538 a month, against $916 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 Ina — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Illinois.
- 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.