Total monthly cost of ownership
Cost to Own a Home in Poland, Ohio
A $194,000 home here costs
$1,776per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $76,000 a year.
A standard mortgage calculator would have told you $1,075. The real number is $702 higher every month, 65% more than the payment most buyers budget for.
Compare Mahoning County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Poland from a five-year rolling sample, and with about 2,415 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Mahoning County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Poland against Mahoning County and Ohio
| Measure | Poland | Mahoning County |
|---|---|---|
| Median home value | $194,100 | $141,100 |
| Median property tax | $2,827 | $1,975 |
| Effective tax rate | 1.456% | 1.400% |
| Median gross rent | $1,125 | $775 |
| Population | 2,415 | 227,063 |
The weather behind that power bill
Poland sits in Mahoning County, which averages a high of 82.7°F in its hottest month and a low of 19.3°F in its coldest, with 41.19" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 633 cooling and 6,089 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Mahoning County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mahoning County
Talk to someone who works this market
These are Poland averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Poland every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Poland I already own here and may sell
Common questions
How much does it cost to own a home in Poland?
A $194,000 home in Poland, Ohio costs approximately $1,776 per month with 20% down at 7.4%. That is $1,075 principal and interest, $235 property tax, $72 homeowners insurance, $233 utilities and $162 set aside for maintenance.
What is the property tax rate in Poland?
Poland has an effective property tax rate of 1.456%, based on a median home value of $194,100 and median real estate taxes of $2,827. That is higher than the Mahoning County average of 1.400%.
What is the average home price in Poland?
The median owner-occupied home value in Poland, Ohio is $194,100, against $141,100 across Mahoning County.
Is it cheaper to rent or buy in Poland?
Median gross rent in Poland is $1,125 a month, against $1,776 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Poland?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Poland, Ohio at today's rate takes a household income of roughly $76,000 a year. That covers the full $1,776 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Poland, 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.