Total monthly cost of ownership
Cost to Own a Home in Pemberville, Ohio
A $181,000 home here costs
$1,577per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $931. The real number is $647 higher every month — 70% 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.
Pemberville against Wood County and Ohio
| Measure | Pemberville | Wood County |
|---|---|---|
| Median home value | $181,400 | $214,400 |
| Median property tax | $2,228 | $2,911 |
| Effective tax rate | 1.228% | 1.358% |
| Median gross rent | $1,117 | $950 |
| Population | 1,374 | 131,795 |
The weather behind that power bill
Pemberville sits in Wood County, which averages a high of 84.2°F in its hottest month and a low of 19.2°F in its coldest, with 35.16" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 878 cooling and 6,012 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Wood County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Wood County
Common questions
How much does it cost to own a home in Pemberville?
A $181,000 home in Pemberville, Ohio costs approximately $1,577 per month with 20% down at 6.66%. That is $931 principal and interest, $185 property tax, $67 homeowners insurance, $243 utilities and $151 set aside for maintenance.
What is the property tax rate in Pemberville?
Pemberville has an effective property tax rate of 1.228%, based on a median home value of $181,400 and median real estate taxes of $2,228. That is lower than the Wood County average of 1.358%.
What is the average home price in Pemberville?
The median owner-occupied home value in Pemberville, Ohio is $181,400, against $214,400 across Wood County.
Is it cheaper to rent or buy in Pemberville?
Median gross rent in Pemberville is $1,117 a month, against $1,577 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 Pemberville — 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.