Total monthly cost of ownership
Cost to Own a Home in Thruston, Kentucky
A $160,000 home here costs
$1,347per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $823. The real number is $524 higher every month — 64% 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.
Thruston against Daviess County and Kentucky
| Measure | Thruston | Daviess County |
|---|---|---|
| Median home value | $160,300 | $185,800 |
| Median property tax | $1,248 | $1,595 |
| Effective tax rate | 0.779% | 0.858% |
| Median gross rent | $764 | $906 |
| Population | 2,675 | 103,195 |
The weather behind that power bill
Thruston sits in Daviess County, which averages a high of 88.6°F in its hottest month and a low of 25.5°F in its coldest, with 47.91" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,525 cooling and 4,340 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Daviess County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Daviess County
Full Daviess County cost breakdown · Every county in Kentucky
Common questions
How much does it cost to own a home in Thruston?
A $160,000 home in Thruston, Kentucky costs approximately $1,347 per month with 20% down at 6.66%. That is $823 principal and interest, $104 property tax, $84 homeowners insurance, $203 utilities and $133 set aside for maintenance.
What is the property tax rate in Thruston?
Thruston has an effective property tax rate of 0.779%, based on a median home value of $160,300 and median real estate taxes of $1,248. That is lower than the Daviess County average of 0.858%.
What is the average home price in Thruston?
The median owner-occupied home value in Thruston, Kentucky is $160,300, against $185,800 across Daviess County.
Is it cheaper to rent or buy in Thruston?
Median gross rent in Thruston is $764 a month, against $1,347 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 Thruston — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Kentucky.
- 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.