Total monthly cost of ownership
Cost to Own a Home in Plano, Kentucky
A $226,000 home here costs
$1,778per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,162. The real number is $616 higher every month — 53% 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.
Plano against Warren County and Kentucky
| Measure | Plano | Warren County |
|---|---|---|
| Median home value | $226,100 | $242,600 |
| Median property tax | $1,278 | $1,558 |
| Effective tax rate | 0.565% | 0.642% |
| Median gross rent | — | $963 |
| Population | 1,293 | 137,549 |
The weather behind that power bill
Plano sits in Warren County, which averages a high of 89.7°F in its hottest month and a low of 28.3°F in its coldest, with 50.1" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,676 cooling and 3,797 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Warren County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Warren County
Full Warren County cost breakdown · Every county in Kentucky
Common questions
How much does it cost to own a home in Plano?
A $226,000 home in Plano, Kentucky costs approximately $1,778 per month with 20% down at 6.66%. That is $1,162 principal and interest, $106 property tax, $119 homeowners insurance, $203 utilities and $188 set aside for maintenance.
What is the property tax rate in Plano?
Plano has an effective property tax rate of 0.565%, based on a median home value of $226,100 and median real estate taxes of $1,278. That is lower than the Warren County average of 0.642%.
What is the average home price in Plano?
The median owner-occupied home value in Plano, Kentucky is $226,100, against $242,600 across Warren County.
Is it cheaper to rent or buy in Plano?
Rent data is not published for Plano at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Plano — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Kentucky.
- 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.