Total monthly cost of ownership
Cost to Own a Home in Johnston City, Illinois
A $85,000 home here costs
$940per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $503 higher every month — 115% 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.
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 $214 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
Common questions
How much does it cost to own a home in Johnston City?
A $85,000 home in Johnston City, Illinois costs approximately $940 per month with 20% down at 6.66%. That is $437 principal and interest, $116 property tax, $33 homeowners insurance, $282 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 $940 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 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.