Total monthly cost of ownership
Cost to Own a Home in Peebles, Ohio
A $138,000 home here costs
$1,228per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $709. The real number is $519 higher every month — 73% 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.
Peebles against Adams County and Ohio
| Measure | Peebles | Adams County |
|---|---|---|
| Median home value | $137,900 | $157,500 |
| Median property tax | $1,306 | $1,303 |
| Effective tax rate | 0.947% | 0.827% |
| Median gross rent | $709 | $700 |
| Population | 2,100 | 27,510 |
The weather behind that power bill
Peebles sits in Adams County, which averages a high of 85.8°F in its hottest month and a low of 17.2°F in its coldest, with 47.85" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 778 cooling and 5,620 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Adams County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
Common questions
How much does it cost to own a home in Peebles?
A $138,000 home in Peebles, Ohio costs approximately $1,228 per month with 20% down at 6.66%. That is $709 principal and interest, $109 property tax, $51 homeowners insurance, $243 utilities and $115 set aside for maintenance.
What is the property tax rate in Peebles?
Peebles has an effective property tax rate of 0.947%, based on a median home value of $137,900 and median real estate taxes of $1,306. That is higher than the Adams County average of 0.827%.
What is the average home price in Peebles?
The median owner-occupied home value in Peebles, Ohio is $137,900, against $157,500 across Adams County.
Is it cheaper to rent or buy in Peebles?
Median gross rent in Peebles is $709 a month, against $1,228 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 Peebles — 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.