Total monthly cost of ownership
Cost to Own a Home in Sac City, Iowa
A $106,000 home here costs
$1,007per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $545. The real number is $462 higher every month — 85% 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.
Sac City against Sac County and Iowa
| Measure | Sac City | Sac County |
|---|---|---|
| Median home value | $106,400 | $138,400 |
| Median property tax | $1,591 | $1,423 |
| Effective tax rate | 1.495% | 1.028% |
| Median gross rent | $620 | $643 |
| Population | 1,782 | 9,759 |
The weather behind that power bill
Sac City sits in Sac County, which averages a high of 83.2°F in its hottest month and a low of 7.8°F in its coldest, with 33.05" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 683 cooling and 7,372 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Sac County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sac County
Common questions
How much does it cost to own a home in Sac City?
A $106,000 home in Sac City, Iowa costs approximately $1,007 per month with 20% down at 6.66%. That is $545 principal and interest, $132 property tax, $46 homeowners insurance, $195 utilities and $88 set aside for maintenance.
What is the property tax rate in Sac City?
Sac City has an effective property tax rate of 1.495%, based on a median home value of $106,400 and median real estate taxes of $1,591. That is higher than the Sac County average of 1.028%.
What is the average home price in Sac City?
The median owner-occupied home value in Sac City, Iowa is $106,400, against $138,400 across Sac County.
Is it cheaper to rent or buy in Sac City?
Median gross rent in Sac City is $620 a month, against $1,007 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 Sac City — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Iowa.
- 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.