Total monthly cost of ownership
Cost to Own a Home in Pecatonica, Illinois
A $135,000 home here costs
$1,415per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $694. The real number is $721 higher every month — 104% 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.
Pecatonica against Winnebago County and Illinois
| Measure | Pecatonica | Winnebago County |
|---|---|---|
| Median home value | $134,900 | $155,100 |
| Median property tax | $3,279 | $3,850 |
| Effective tax rate | 2.431% | 2.482% |
| Median gross rent | $1,089 | $986 |
| Population | 2,178 | 283,289 |
The weather behind that power bill
Pecatonica sits in Winnebago County, which averages a high of 83.9°F in its hottest month and a low of 14.5°F in its coldest, with 37.24" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 839 cooling and 6,497 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Winnebago County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Winnebago County
Full Winnebago County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Pecatonica?
A $135,000 home in Pecatonica, Illinois costs approximately $1,415 per month with 20% down at 6.66%. That is $694 principal and interest, $273 property tax, $53 homeowners insurance, $282 utilities and $113 set aside for maintenance.
What is the property tax rate in Pecatonica?
Pecatonica has an effective property tax rate of 2.431%, based on a median home value of $134,900 and median real estate taxes of $3,279. That is lower than the Winnebago County average of 2.482%.
What is the average home price in Pecatonica?
The median owner-occupied home value in Pecatonica, Illinois is $134,900, against $155,100 across Winnebago County.
Is it cheaper to rent or buy in Pecatonica?
Median gross rent in Pecatonica is $1,089 a month, against $1,415 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 Pecatonica — 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.