Total monthly cost of ownership
Cost to Own a Home in Maysville, Kentucky
A $152,000 home here costs
$1,298per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $781. The real number is $516 higher every month — 66% 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.
Maysville against Mason County and Kentucky
| Measure | Maysville | Mason County |
|---|---|---|
| Median home value | $152,100 | $157,500 |
| Median property tax | $1,287 | $998 |
| Effective tax rate | 0.846% | 0.634% |
| Median gross rent | $700 | $724 |
| Population | 8,778 | 16,995 |
The weather behind that power bill
Maysville sits in Mason County, which averages a high of 86.8°F in its hottest month and a low of 22.8°F in its coldest, with 48.32" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,133 cooling and 4,850 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Mason County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mason County
No other places of this size are published in Mason County.
Common questions
How much does it cost to own a home in Maysville?
A $152,000 home in Maysville, Kentucky costs approximately $1,298 per month with 20% down at 6.66%. That is $781 principal and interest, $107 property tax, $80 homeowners insurance, $203 utilities and $127 set aside for maintenance.
What is the property tax rate in Maysville?
Maysville has an effective property tax rate of 0.846%, based on a median home value of $152,100 and median real estate taxes of $1,287. That is higher than the Mason County average of 0.634%.
What is the average home price in Maysville?
The median owner-occupied home value in Maysville, Kentucky is $152,100, against $157,500 across Mason County.
Is it cheaper to rent or buy in Maysville?
Median gross rent in Maysville is $700 a month, against $1,298 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 Maysville — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Kentucky.
- 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.