Total monthly cost of ownership
Cost to Own a Home in Plain City, Ohio
A $325,000 home here costs
$2,605per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,671. The real number is $935 higher every month — 56% 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.
Plain City against Union County and Ohio
| Measure | Plain City | Union County |
|---|---|---|
| Median home value | $325,400 | $306,600 |
| Median property tax | $3,598 | $3,847 |
| Effective tax rate | 1.106% | 1.255% |
| Median gross rent | $1,044 | $1,188 |
| Population | 3,712 | 65,293 |
Plain City extends across 2 counties. Figures here use Union County, where most of its housing sits.
The weather behind that power bill
Plain City sits in Union County, which averages a high of 84.9°F in its hottest month and a low of 20.6°F in its coldest, with 40.48" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 968 cooling and 5,546 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Union County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Union County
Common questions
How much does it cost to own a home in Plain City?
A $325,000 home in Plain City, Ohio costs approximately $2,605 per month with 20% down at 6.66%. That is $1,671 principal and interest, $300 property tax, $121 homeowners insurance, $243 utilities and $271 set aside for maintenance.
What is the property tax rate in Plain City?
Plain City has an effective property tax rate of 1.106%, based on a median home value of $325,400 and median real estate taxes of $3,598. That is lower than the Union County average of 1.255%.
What is the average home price in Plain City?
The median owner-occupied home value in Plain City, Ohio is $325,400, against $306,600 across Union County.
Is it cheaper to rent or buy in Plain City?
Median gross rent in Plain City is $1,044 a month, against $2,605 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 Plain City — 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.