Total monthly cost of ownership
Cost to Own a Home in Maria Stein, Ohio
A $337,000 home here costs
$2,760per 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 $118,500 a year.
A standard mortgage calculator would have told you $1,837. The real number is $922 higher every month, 50% more than the payment most buyers budget for.
Compare Mercer County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Maria Stein from a five-year rolling sample, and with about 1,065 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 Mercer 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.
Maria Stein against Mercer County and Ohio
| Measure | Maria Stein | Mercer County |
|---|---|---|
| Median home value | $337,000 | $208,600 |
| Median property tax | $3,410 | $2,249 |
| Effective tax rate | 1.012% | 1.078% |
| Median gross rent | — | $812 |
| Population | 1,065 | 42,438 |
The weather behind that power bill
Maria Stein sits in Mercer County, which averages a high of 83.7°F in its hottest month and a low of 18.7°F in its coldest, with 39.76" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 865 cooling and 5,789 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Mercer County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mercer County
Talk to someone who works this market
These are Maria Stein 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 Maria Stein every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Maria Stein I already own here and may sell
Common questions
How much does it cost to own a home in Maria Stein?
A $337,000 home in Maria Stein, Ohio costs approximately $2,760 per month with 20% down at 7.24%. That is $1,837 principal and interest, $284 property tax, $125 homeowners insurance, $232 utilities and $281 set aside for maintenance.
What is the property tax rate in Maria Stein?
Maria Stein has an effective property tax rate of 1.012%, based on a median home value of $337,000 and median real estate taxes of $3,410. That is lower than the Mercer County average of 1.078%.
What is the average home price in Maria Stein?
The median owner-occupied home value in Maria Stein, Ohio is $337,000, against $208,600 across Mercer County.
Is it cheaper to rent or buy in Maria Stein?
Rent data is not published for Maria Stein at this level of detail.
What salary do you need to buy a home in Maria Stein?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Maria Stein, Ohio at today's rate takes a household income of roughly $118,500 a year. That covers the full $2,760 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Maria Stein, 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.