Total monthly cost of ownership
Cost to Own a Home in Mount Orab, Ohio
A $221,000 home here costs
$1,801per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,136. The real number is $665 higher every month — 59% 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.
Mount Orab against Brown County and Ohio
| Measure | Mount Orab | Brown County |
|---|---|---|
| Median home value | $220,800 | $181,100 |
| Median property tax | $1,856 | $1,497 |
| Effective tax rate | 0.841% | 0.827% |
| Median gross rent | $835 | $822 |
| Population | 4,765 | 43,710 |
The weather behind that power bill
Mount Orab sits in Brown 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 Brown County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brown County
Common questions
How much does it cost to own a home in Mount Orab?
A $221,000 home in Mount Orab, Ohio costs approximately $1,801 per month with 20% down at 6.66%. That is $1,136 principal and interest, $155 property tax, $82 homeowners insurance, $243 utilities and $184 set aside for maintenance.
What is the property tax rate in Mount Orab?
Mount Orab has an effective property tax rate of 0.841%, based on a median home value of $220,800 and median real estate taxes of $1,856. That is higher than the Brown County average of 0.827%.
What is the average home price in Mount Orab?
The median owner-occupied home value in Mount Orab, Ohio is $220,800, against $181,100 across Brown County.
Is it cheaper to rent or buy in Mount Orab?
Median gross rent in Mount Orab is $835 a month, against $1,801 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 Mount Orab — 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.