Total monthly cost of ownership
Cost to Own a Home in Oblong, Illinois
A $78,000 home here costs
$867per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $401. The real number is $466 higher every month — 116% 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.
Oblong against Crawford County and Illinois
| Measure | Oblong | Crawford County |
|---|---|---|
| Median home value | $78,400 | $113,700 |
| Median property tax | $1,058 | $1,769 |
| Effective tax rate | 1.349% | 1.556% |
| Median gross rent | $532 | $761 |
| Population | 1,617 | 18,588 |
The weather behind that power bill
Oblong sits in Crawford County, which averages a high of 87.4°F in its hottest month and a low of 20.1°F in its coldest, with 45.48" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,249 cooling and 5,170 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Crawford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Crawford County
Full Crawford County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Oblong?
A $78,000 home in Oblong, Illinois costs approximately $867 per month with 20% down at 6.66%. That is $401 principal and interest, $88 property tax, $31 homeowners insurance, $282 utilities and $65 set aside for maintenance.
What is the property tax rate in Oblong?
Oblong has an effective property tax rate of 1.349%, based on a median home value of $78,400 and median real estate taxes of $1,058. That is lower than the Crawford County average of 1.556%.
What is the average home price in Oblong?
The median owner-occupied home value in Oblong, Illinois is $78,400, against $113,700 across Crawford County.
Is it cheaper to rent or buy in Oblong?
Median gross rent in Oblong is $532 a month, against $867 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 Oblong — 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.