Total monthly cost of ownership
Cost to Own a Home in Roaming Shores, Ohio
A $211,000 home here costs
$1,862per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $80,000 a year.
A standard mortgage calculator would have told you $1,150. The real number is $712 higher every month, 62% more than the payment most buyers budget for.
Compare Ashtabula County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Roaming Shores from a five-year rolling sample, and with about 2,024 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 Ashtabula 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.
Roaming Shores against Ashtabula County and Ohio
| Measure | Roaming Shores | Ashtabula County |
|---|---|---|
| Median home value | $210,900 | $149,600 |
| Median property tax | $2,709 | $1,890 |
| Effective tax rate | 1.284% | 1.263% |
| Median gross rent | — | $816 |
| Population | 2,024 | 97,343 |
The weather behind that power bill
Roaming Shores sits in Ashtabula County, which averages a high of 81.0°F in its hottest month and a low of 19.1°F in its coldest, with 37.07" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 523 cooling and 6,372 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Ashtabula County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ashtabula County
Talk to someone who works this market
These are Roaming Shores 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 Roaming Shores every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Roaming Shores I already own here and may sell
Common questions
How much does it cost to own a home in Roaming Shores?
A $211,000 home in Roaming Shores, Ohio costs approximately $1,862 per month with 20% down at 7.24%. That is $1,150 principal and interest, $226 property tax, $78 homeowners insurance, $232 utilities and $176 set aside for maintenance.
What is the property tax rate in Roaming Shores?
Roaming Shores has an effective property tax rate of 1.284%, based on a median home value of $210,900 and median real estate taxes of $2,709. That is higher than the Ashtabula County average of 1.263%.
What is the average home price in Roaming Shores?
The median owner-occupied home value in Roaming Shores, Ohio is $210,900, against $149,600 across Ashtabula County.
Is it cheaper to rent or buy in Roaming Shores?
Rent data is not published for Roaming Shores at this level of detail.
What salary do you need to buy a home in Roaming Shores?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Roaming Shores, Ohio at today's rate takes a household income of roughly $80,000 a year. That covers the full $1,862 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Roaming Shores, 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.