Total monthly cost of ownership
Cost to Own a Home in North Utica, Illinois
A $212,000 home here costs
$2,008per 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 $86,000 a year.
A standard mortgage calculator would have told you $1,156. The real number is $853 higher every month, 74% more than the payment most buyers budget for.
Compare LaSalle County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for North Utica from a five-year rolling sample, and with about 1,215 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 LaSalle 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.
North Utica against LaSalle County and Illinois
| Measure | North Utica | LaSalle County |
|---|---|---|
| Median home value | $212,000 | $154,900 |
| Median property tax | $4,692 | $3,336 |
| Effective tax rate | 2.213% | 2.154% |
| Median gross rent | $1,239 | $906 |
| Population | 1,215 | 109,049 |
The weather behind that power bill
North Utica sits in LaSalle County, which averages a high of 82.9°F in its hottest month and a low of 15.2°F in its coldest, with 36.19" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 865 cooling and 6,211 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for LaSalle County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in LaSalle County
Full LaSalle County cost breakdown · Every county in Illinois
Talk to someone who works this market
These are North Utica 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 North Utica every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in North Utica I already own here and may sell
Common questions
How much does it cost to own a home in North Utica?
A $212,000 home in North Utica, Illinois costs approximately $2,008 per month with 20% down at 7.24%. That is $1,156 principal and interest, $391 property tax, $83 homeowners insurance, $202 utilities and $177 set aside for maintenance.
What is the property tax rate in North Utica?
North Utica has an effective property tax rate of 2.213%, based on a median home value of $212,000 and median real estate taxes of $4,692. That is higher than the LaSalle County average of 2.154%.
What is the average home price in North Utica?
The median owner-occupied home value in North Utica, Illinois is $212,000, against $154,900 across LaSalle County.
Is it cheaper to rent or buy in North Utica?
Median gross rent in North Utica is $1,239 a month, against $2,008 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 North Utica?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in North Utica, Illinois at today's rate takes a household income of roughly $86,000 a year. That covers the full $2,008 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for North Utica, 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.