Total monthly cost of ownership
Cost to Own a Home in South Charleston, Ohio
A $132,000 home here costs
$1,187per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $679. The real number is $508 higher every month — 75% 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.
South Charleston against Clark County and Ohio
| Measure | South Charleston | Clark County |
|---|---|---|
| Median home value | $131,500 | $155,900 |
| Median property tax | $1,265 | $1,943 |
| Effective tax rate | 0.962% | 1.246% |
| Median gross rent | $700 | $840 |
| Population | 1,655 | 135,445 |
The weather behind that power bill
South Charleston sits in Clark County, which averages a high of 83.9°F in its hottest month and a low of 18.5°F in its coldest, with 40.25" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 802 cooling and 5,808 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Clark County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clark County
Common questions
How much does it cost to own a home in South Charleston?
A $132,000 home in South Charleston, Ohio costs approximately $1,187 per month with 20% down at 6.66%. That is $679 principal and interest, $106 property tax, $49 homeowners insurance, $243 utilities and $110 set aside for maintenance.
What is the property tax rate in South Charleston?
South Charleston has an effective property tax rate of 0.962%, based on a median home value of $131,500 and median real estate taxes of $1,265. That is lower than the Clark County average of 1.246%.
What is the average home price in South Charleston?
The median owner-occupied home value in South Charleston, Ohio is $131,500, against $155,900 across Clark County.
Is it cheaper to rent or buy in South Charleston?
Median gross rent in South Charleston is $700 a month, against $1,187 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 South Charleston — 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.