Total monthly cost of ownership
Cost to Own a Home in Seaman, Ohio
A $129,000 home here costs
$1,150per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $663. The real number is $487 higher every month — 73% 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.
Seaman against Adams County and Ohio
| Measure | Seaman | Adams County |
|---|---|---|
| Median home value | $128,800 | $157,500 |
| Median property tax | $1,052 | $1,303 |
| Effective tax rate | 0.817% | 0.827% |
| Median gross rent | $643 | $700 |
| Population | 1,072 | 27,510 |
The weather behind that power bill
Seaman sits in Adams County, which averages a high of 85.8°F in its hottest month and a low of 17.2°F in its coldest, with 47.85" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 778 cooling and 5,620 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Adams County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
Common questions
How much does it cost to own a home in Seaman?
A $129,000 home in Seaman, Ohio costs approximately $1,150 per month with 20% down at 6.66%. That is $663 principal and interest, $88 property tax, $48 homeowners insurance, $243 utilities and $108 set aside for maintenance.
What is the property tax rate in Seaman?
Seaman has an effective property tax rate of 0.817%, based on a median home value of $128,800 and median real estate taxes of $1,052. That is lower than the Adams County average of 0.827%.
What is the average home price in Seaman?
The median owner-occupied home value in Seaman, Ohio is $128,800, against $157,500 across Adams County.
Is it cheaper to rent or buy in Seaman?
Median gross rent in Seaman is $643 a month, against $1,150 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 Seaman — 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.