Total monthly cost of ownership
Cost to Own a Home in New Athens, Illinois
A $118,000 home here costs
$1,220per 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 $52,500 a year.
A standard mortgage calculator would have told you $643. The real number is $576 higher every month, 90% more than the payment most buyers budget for.
Compare St. Clair County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for New Athens from a five-year rolling sample, and with about 1,937 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 St. Clair 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.
New Athens against St. Clair County and Illinois
| Measure | New Athens | St. Clair County |
|---|---|---|
| Median home value | $118,100 | $168,800 |
| Median property tax | $2,762 | $3,533 |
| Effective tax rate | 2.339% | 2.093% |
| Median gross rent | $927 | $1,032 |
| Population | 1,937 | 254,777 |
The weather behind that power bill
New Athens sits in St. Clair 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 St. Clair County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Clair County
Full St. Clair County cost breakdown · Every county in Illinois
Talk to someone who works this market
These are New Athens 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 New Athens every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in New Athens I already own here and may sell
Common questions
How much does it cost to own a home in New Athens?
A $118,000 home in New Athens, Illinois costs approximately $1,220 per month with 20% down at 7.24%. That is $643 principal and interest, $230 property tax, $46 homeowners insurance, $202 utilities and $98 set aside for maintenance.
What is the property tax rate in New Athens?
New Athens has an effective property tax rate of 2.339%, based on a median home value of $118,100 and median real estate taxes of $2,762. That is higher than the St. Clair County average of 2.093%.
What is the average home price in New Athens?
The median owner-occupied home value in New Athens, Illinois is $118,100, against $168,800 across St. Clair County.
Is it cheaper to rent or buy in New Athens?
Median gross rent in New Athens is $927 a month, against $1,220 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 New Athens?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in New Athens, Illinois at today's rate takes a household income of roughly $52,500 a year. That covers the full $1,220 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for New Athens, 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.