Total monthly cost of ownership
Cost to Own a Home in Rock Island, Washington
A $256,000 home here costs
$1,931per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,316. The real number is $615 higher every month — 47% 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.
Rock Island against Douglas County and Washington
| Measure | Rock Island | Douglas County |
|---|---|---|
| Median home value | $255,500 | $402,900 |
| Median property tax | $1,929 | $3,168 |
| Effective tax rate | 0.755% | 0.786% |
| Median gross rent | $1,094 | $1,234 |
| Population | 1,142 | 43,733 |
The weather behind that power bill
Rock Island sits in Douglas County, which averages a high of 89.3°F in its hottest month and a low of 23.5°F in its coldest, with 7.58" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 843 cooling and 5,753 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Douglas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Douglas County
Full Douglas County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Rock Island?
A $256,000 home in Rock Island, Washington costs approximately $1,931 per month with 20% down at 6.66%. That is $1,316 principal and interest, $161 property tax, $38 homeowners insurance, $202 utilities and $213 set aside for maintenance.
What is the property tax rate in Rock Island?
Rock Island has an effective property tax rate of 0.755%, based on a median home value of $255,500 and median real estate taxes of $1,929. That is lower than the Douglas County average of 0.786%.
What is the average home price in Rock Island?
The median owner-occupied home value in Rock Island, Washington is $255,500, against $402,900 across Douglas County.
Is it cheaper to rent or buy in Rock Island?
Median gross rent in Rock Island is $1,094 a month, against $1,931 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 Rock Island — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Washington.
- 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.