Total monthly cost of ownership
Cost to Own a Home in Maryville, Illinois
A $253,000 home here costs
$2,292per 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 $98,000 a year.
A standard mortgage calculator would have told you $1,379. The real number is $912 higher every month, 66% more than the payment most buyers budget for.
Compare Madison County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Maryville against Madison County and Illinois
| Measure | Maryville | Madison County |
|---|---|---|
| Median home value | $253,100 | $167,900 |
| Median property tax | $4,807 | $3,232 |
| Effective tax rate | 1.899% | 1.925% |
| Median gross rent | $987 | $969 |
| Population | 8,280 | 264,631 |
The weather behind that power bill
Maryville sits in Madison County, which averages a high of 90.2°F in its hottest month and a low of 24.3°F in its coldest, with 43.36" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,579 cooling and 4,209 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Madison County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Madison County
Full Madison County cost breakdown · Every county in Illinois
Talk to someone who works this market
These are Maryville 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 Maryville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Maryville I already own here and may sell
Common questions
How much does it cost to own a home in Maryville?
A $253,000 home in Maryville, Illinois costs approximately $2,292 per month with 20% down at 7.24%. That is $1,379 principal and interest, $400 property tax, $99 homeowners insurance, $202 utilities and $211 set aside for maintenance.
What is the property tax rate in Maryville?
Maryville has an effective property tax rate of 1.899%, based on a median home value of $253,100 and median real estate taxes of $4,807. That is lower than the Madison County average of 1.925%.
What is the average home price in Maryville?
The median owner-occupied home value in Maryville, Illinois is $253,100, against $167,900 across Madison County.
Is it cheaper to rent or buy in Maryville?
Median gross rent in Maryville is $987 a month, against $2,292 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 Maryville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Maryville, Illinois at today's rate takes a household income of roughly $98,000 a year. That covers the full $2,292 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Maryville, 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.