Total monthly cost of ownership
Cost to Own a Home in Napoleon, Ohio
A $140,000 home here costs
$1,266per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $720. The real number is $547 higher every month — 76% 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.
Napoleon against Henry County and Ohio
| Measure | Napoleon | Henry County |
|---|---|---|
| Median home value | $139,500 | $166,000 |
| Median property tax | $1,609 | $1,954 |
| Effective tax rate | 1.153% | 1.177% |
| Median gross rent | $808 | $866 |
| Population | 8,561 | 27,581 |
The weather behind that power bill
Napoleon sits in Henry County, which averages a high of 83.9°F in its hottest month and a low of 17.4°F in its coldest, with 37.32" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 827 cooling and 6,183 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Henry County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Henry County
Common questions
How much does it cost to own a home in Napoleon?
A $140,000 home in Napoleon, Ohio costs approximately $1,266 per month with 20% down at 6.66%. That is $720 principal and interest, $135 property tax, $52 homeowners insurance, $243 utilities and $117 set aside for maintenance.
What is the property tax rate in Napoleon?
Napoleon has an effective property tax rate of 1.153%, based on a median home value of $139,500 and median real estate taxes of $1,609. That is lower than the Henry County average of 1.177%.
What is the average home price in Napoleon?
The median owner-occupied home value in Napoleon, Ohio is $139,500, against $166,000 across Henry County.
Is it cheaper to rent or buy in Napoleon?
Median gross rent in Napoleon is $808 a month, against $1,266 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 Napoleon — 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.