Total monthly cost of ownership
Cost to Own a Home in St. Clairsville, Ohio
A $198,000 home here costs
$1,677per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,018. The real number is $659 higher every month — 65% 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.
St. Clairsville against Belmont County and Ohio
| Measure | St. Clairsville | Belmont County |
|---|---|---|
| Median home value | $197,600 | $143,000 |
| Median property tax | $2,120 | $1,420 |
| Effective tax rate | 1.073% | 0.993% |
| Median gross rent | $966 | $769 |
| Population | 5,043 | 65,982 |
The weather behind that power bill
St. Clairsville sits in Belmont County, which averages a high of 82.9°F in its hottest month and a low of 22.3°F in its coldest, with 37.55" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 782 cooling and 5,419 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Belmont County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Belmont County
Common questions
How much does it cost to own a home in St. Clairsville?
A $198,000 home in St. Clairsville, Ohio costs approximately $1,677 per month with 20% down at 6.66%. That is $1,018 principal and interest, $177 property tax, $74 homeowners insurance, $243 utilities and $165 set aside for maintenance.
What is the property tax rate in St. Clairsville?
St. Clairsville has an effective property tax rate of 1.073%, based on a median home value of $197,600 and median real estate taxes of $2,120. That is higher than the Belmont County average of 0.993%.
What is the average home price in St. Clairsville?
The median owner-occupied home value in St. Clairsville, Ohio is $197,600, against $143,000 across Belmont County.
Is it cheaper to rent or buy in St. Clairsville?
Median gross rent in St. Clairsville is $966 a month, against $1,677 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 St. Clairsville — 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.