Total monthly cost of ownership
Cost to Own a Home in North Zanesville, Ohio
A $236,000 home here costs
$2,024per 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 $87,000 a year.
A standard mortgage calculator would have told you $1,287. The real number is $738 higher every month, 57% more than the payment most buyers budget for.
Compare Muskingum County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for North Zanesville from a five-year rolling sample, and with about 2,836 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 Muskingum 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 Zanesville against Muskingum County and Ohio
| Measure | North Zanesville | Muskingum County |
|---|---|---|
| Median home value | $235,500 | $170,100 |
| Median property tax | $2,649 | $1,609 |
| Effective tax rate | 1.125% | 0.946% |
| Median gross rent | $961 | $811 |
| Population | 2,836 | 86,382 |
The weather behind that power bill
North Zanesville sits in Muskingum County, which averages a high of 84.8°F in its hottest month and a low of 21.7°F in its coldest, with 38.57" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 914 cooling and 5,268 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Muskingum County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Muskingum County
Talk to someone who works this market
These are North Zanesville 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 Zanesville every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in North Zanesville?
A $236,000 home in North Zanesville, Ohio costs approximately $2,024 per month with 20% down at 7.24%. That is $1,287 principal and interest, $221 property tax, $88 homeowners insurance, $232 utilities and $197 set aside for maintenance.
What is the property tax rate in North Zanesville?
North Zanesville has an effective property tax rate of 1.125%, based on a median home value of $235,500 and median real estate taxes of $2,649. That is higher than the Muskingum County average of 0.946%.
What is the average home price in North Zanesville?
The median owner-occupied home value in North Zanesville, Ohio is $235,500, against $170,100 across Muskingum County.
Is it cheaper to rent or buy in North Zanesville?
Median gross rent in North Zanesville is $961 a month, against $2,024 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 Zanesville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in North Zanesville, Ohio at today's rate takes a household income of roughly $87,000 a year. That covers the full $2,024 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for North Zanesville, 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.