Total monthly cost of ownership
Cost to Own a Home in Rineyville, Kentucky
A $235,000 home here costs
$1,876per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,208. The real number is $668 higher every month — 55% 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.
Rineyville against Hardin County and Kentucky
| Measure | Rineyville | Hardin County |
|---|---|---|
| Median home value | $234,900 | $205,900 |
| Median property tax | $1,752 | $1,451 |
| Effective tax rate | 0.746% | 0.705% |
| Median gross rent | — | $947 |
| Population | 2,869 | 111,452 |
The weather behind that power bill
Rineyville sits in Hardin County, which averages a high of 86.0°F in its hottest month and a low of 24.3°F in its coldest, with 54.38" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,136 cooling and 4,564 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Hardin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hardin County
Full Hardin County cost breakdown · Every county in Kentucky
Common questions
How much does it cost to own a home in Rineyville?
A $235,000 home in Rineyville, Kentucky costs approximately $1,876 per month with 20% down at 6.66%. That is $1,208 principal and interest, $146 property tax, $124 homeowners insurance, $203 utilities and $196 set aside for maintenance.
What is the property tax rate in Rineyville?
Rineyville has an effective property tax rate of 0.746%, based on a median home value of $234,900 and median real estate taxes of $1,752. That is higher than the Hardin County average of 0.705%.
What is the average home price in Rineyville?
The median owner-occupied home value in Rineyville, Kentucky is $234,900, against $205,900 across Hardin County.
Is it cheaper to rent or buy in Rineyville?
Rent data is not published for Rineyville at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Rineyville — 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.