Total monthly cost of ownership
Cost to Own a Home in Wapakoneta, Ohio
A $146,000 home here costs
$1,279per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $751. The real number is $528 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.
Wapakoneta against Auglaize County and Ohio
| Measure | Wapakoneta | Auglaize County |
|---|---|---|
| Median home value | $146,000 | $182,000 |
| Median property tax | $1,302 | $1,756 |
| Effective tax rate | 0.892% | 0.965% |
| Median gross rent | $789 | $853 |
| Population | 9,867 | 46,209 |
The weather behind that power bill
Wapakoneta sits in Auglaize County, which averages a high of 83.6°F in its hottest month and a low of 20.1°F in its coldest, with 35.77" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 847 cooling and 5,769 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Auglaize County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Auglaize County
Common questions
How much does it cost to own a home in Wapakoneta?
A $146,000 home in Wapakoneta, Ohio costs approximately $1,279 per month with 20% down at 6.66%. That is $751 principal and interest, $109 property tax, $54 homeowners insurance, $243 utilities and $122 set aside for maintenance.
What is the property tax rate in Wapakoneta?
Wapakoneta has an effective property tax rate of 0.892%, based on a median home value of $146,000 and median real estate taxes of $1,302. That is lower than the Auglaize County average of 0.965%.
What is the average home price in Wapakoneta?
The median owner-occupied home value in Wapakoneta, Ohio is $146,000, against $182,000 across Auglaize County.
Is it cheaper to rent or buy in Wapakoneta?
Median gross rent in Wapakoneta is $789 a month, against $1,279 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 Wapakoneta — 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.