Total monthly cost of ownership
Cost to Own a Home in Manchester, Ohio
A $86,000 home here costs
$840per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $442. The real number is $398 higher every month — 90% 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.
Manchester against Adams County and Ohio
| Measure | Manchester | Adams County |
|---|---|---|
| Median home value | $85,600 | $157,500 |
| Median property tax | $603 | $1,303 |
| Effective tax rate | 0.704% | 0.827% |
| Median gross rent | $693 | $700 |
| Population | 1,898 | 27,510 |
The weather behind that power bill
Manchester sits in Adams County, which averages a high of 85.8°F in its hottest month and a low of 17.2°F in its coldest, with 47.85" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 778 cooling and 5,620 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Adams County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
Common questions
How much does it cost to own a home in Manchester?
A $86,000 home in Manchester, Ohio costs approximately $840 per month with 20% down at 6.66%. That is $442 principal and interest, $50 property tax, $32 homeowners insurance, $243 utilities and $72 set aside for maintenance.
What is the property tax rate in Manchester?
Manchester has an effective property tax rate of 0.704%, based on a median home value of $85,600 and median real estate taxes of $603. That is lower than the Adams County average of 0.827%.
What is the average home price in Manchester?
The median owner-occupied home value in Manchester, Ohio is $85,600, against $157,500 across Adams County.
Is it cheaper to rent or buy in Manchester?
Median gross rent in Manchester is $693 a month, against $840 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 Manchester — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Ohio.
- 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.