Total monthly cost of ownership
Cost to Own a Home in Johnston City, Illinois
A $85,000 home here costs
$886per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $38,000 a year.
A standard mortgage calculator would have told you $463. The real number is $422 higher every month, 91% more than the payment most buyers budget for.
Compare Williamson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Johnston City from a five-year rolling sample, and with about 3,351 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Williamson County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Johnston City against Williamson County and Illinois
| Measure | Johnston City | Williamson County |
|---|---|---|
| Median home value | $84,500 | $145,600 |
| Median property tax | $1,385 | $2,490 |
| Effective tax rate | 1.639% | 1.710% |
| Median gross rent | $830 | $897 |
| Population | 3,351 | 66,902 |
The weather behind that power bill
Johnston City sits in Williamson County, which averages a high of 88.4°F in its hottest month and a low of 24.8°F in its coldest, with 44.01" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,370 cooling and 4,460 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Williamson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Williamson County
Full Williamson County cost breakdown · Every county in Illinois
Talk to someone who works this market
These are Johnston City averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Johnston City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Johnston City I already own here and may sell
Common questions
How much does it cost to own a home in Johnston City?
A $85,000 home in Johnston City, Illinois costs approximately $886 per month with 20% down at 7.24%. That is $463 principal and interest, $116 property tax, $33 homeowners insurance, $202 utilities and $71 set aside for maintenance.
What is the property tax rate in Johnston City?
Johnston City has an effective property tax rate of 1.639%, based on a median home value of $84,500 and median real estate taxes of $1,385. That is lower than the Williamson County average of 1.710%.
What is the average home price in Johnston City?
The median owner-occupied home value in Johnston City, Illinois is $84,500, against $145,600 across Williamson County.
Is it cheaper to rent or buy in Johnston City?
Median gross rent in Johnston City is $830 a month, against $886 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Johnston City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Johnston City, Illinois at today's rate takes a household income of roughly $38,000 a year. That covers the full $886 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Johnston City, 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.