Total monthly cost of ownership
Cost to Own a Home in Orwell, Ohio
A $127,000 home here costs
$1,169per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $653. The real number is $516 higher every month — 79% 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.
Orwell against Ashtabula County and Ohio
| Measure | Orwell | Ashtabula County |
|---|---|---|
| Median home value | $127,000 | $149,600 |
| Median property tax | $1,439 | $1,890 |
| Effective tax rate | 1.133% | 1.263% |
| Median gross rent | $750 | $816 |
| Population | 1,854 | 97,343 |
The weather behind that power bill
Orwell sits in Ashtabula County, which averages a high of 81.0°F in its hottest month and a low of 19.1°F in its coldest, with 37.07" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 523 cooling and 6,372 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Ashtabula County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ashtabula County
Common questions
How much does it cost to own a home in Orwell?
A $127,000 home in Orwell, Ohio costs approximately $1,169 per month with 20% down at 6.66%. That is $653 principal and interest, $120 property tax, $47 homeowners insurance, $243 utilities and $106 set aside for maintenance.
What is the property tax rate in Orwell?
Orwell has an effective property tax rate of 1.133%, based on a median home value of $127,000 and median real estate taxes of $1,439. That is lower than the Ashtabula County average of 1.263%.
What is the average home price in Orwell?
The median owner-occupied home value in Orwell, Ohio is $127,000, against $149,600 across Ashtabula County.
Is it cheaper to rent or buy in Orwell?
Median gross rent in Orwell is $750 a month, against $1,169 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 Orwell — 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.