Total monthly cost of ownership
Cost to Own a Home in Sidney, Ohio
A $159,000 home here costs
$1,387per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $817. The real number is $570 higher every month — 70% 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.
Sidney against Shelby County and Ohio
| Measure | Sidney | Shelby County |
|---|---|---|
| Median home value | $159,300 | $190,300 |
| Median property tax | $1,618 | $1,919 |
| Effective tax rate | 1.016% | 1.008% |
| Median gross rent | $842 | $904 |
| Population | 20,457 | 48,007 |
The weather behind that power bill
Sidney sits in Shelby County, which averages a high of 84.3°F in its hottest month and a low of 17.9°F in its coldest, with 41.65" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 818 cooling and 5,911 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Shelby County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Shelby County
Common questions
How much does it cost to own a home in Sidney?
A $159,000 home in Sidney, Ohio costs approximately $1,387 per month with 20% down at 6.66%. That is $817 principal and interest, $135 property tax, $59 homeowners insurance, $243 utilities and $133 set aside for maintenance.
What is the property tax rate in Sidney?
Sidney has an effective property tax rate of 1.016%, based on a median home value of $159,300 and median real estate taxes of $1,618. That is in line with the Shelby County average of 1.008%.
What is the average home price in Sidney?
The median owner-occupied home value in Sidney, Ohio is $159,300, against $190,300 across Shelby County.
Is it cheaper to rent or buy in Sidney?
Median gross rent in Sidney is $842 a month, against $1,387 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 Sidney — 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.