Total monthly cost of ownership
Cost to Own a Home in Long Creek, Illinois
A $166,000 home here costs
$1,551per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $853. The real number is $697 higher every month — 82% 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.
Long Creek against Macon County and Illinois
| Measure | Long Creek | Macon County |
|---|---|---|
| Median home value | $165,800 | $121,800 |
| Median property tax | $2,533 | $2,560 |
| Effective tax rate | 1.528% | 2.102% |
| Median gross rent | $839 | $797 |
| Population | 1,309 | 102,591 |
The weather behind that power bill
Long Creek sits in Macon County, which averages a high of 84.7°F in its hottest month and a low of 19.7°F in its coldest, with 40.44" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,116 cooling and 5,444 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Macon County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Macon County
Common questions
How much does it cost to own a home in Long Creek?
A $166,000 home in Long Creek, Illinois costs approximately $1,551 per month with 20% down at 6.66%. That is $853 principal and interest, $211 property tax, $65 homeowners insurance, $282 utilities and $138 set aside for maintenance.
What is the property tax rate in Long Creek?
Long Creek has an effective property tax rate of 1.528%, based on a median home value of $165,800 and median real estate taxes of $2,533. That is lower than the Macon County average of 2.102%.
What is the average home price in Long Creek?
The median owner-occupied home value in Long Creek, Illinois is $165,800, against $121,800 across Macon County.
Is it cheaper to rent or buy in Long Creek?
Median gross rent in Long Creek is $839 a month, against $1,551 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 Long Creek — 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.