Total monthly cost of ownership
Cost to Own a Home in West Carrollton, Ohio
A $138,000 home here costs
$1,333per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $709. The real number is $624 higher every month — 88% 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.
West Carrollton against Montgomery County and Ohio
| Measure | West Carrollton | Montgomery County |
|---|---|---|
| Median home value | $137,700 | $167,400 |
| Median property tax | $2,561 | $2,975 |
| Effective tax rate | 1.860% | 1.777% |
| Median gross rent | $972 | $968 |
| Population | 13,008 | 535,528 |
The weather behind that power bill
West Carrollton sits in Montgomery County, which averages a high of 86.7°F in its hottest month and a low of 20.1°F in its coldest, with 41.65" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,191 cooling and 5,432 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Montgomery County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Montgomery County
Full Montgomery County cost breakdown · Every county in Ohio
Common questions
How much does it cost to own a home in West Carrollton?
A $138,000 home in West Carrollton, Ohio costs approximately $1,333 per month with 20% down at 6.66%. That is $709 principal and interest, $214 property tax, $51 homeowners insurance, $243 utilities and $115 set aside for maintenance.
What is the property tax rate in West Carrollton?
West Carrollton has an effective property tax rate of 1.860%, based on a median home value of $137,700 and median real estate taxes of $2,561. That is higher than the Montgomery County average of 1.777%.
What is the average home price in West Carrollton?
The median owner-occupied home value in West Carrollton, Ohio is $137,700, against $167,400 across Montgomery County.
Is it cheaper to rent or buy in West Carrollton?
Median gross rent in West Carrollton is $972 a month, against $1,333 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 West Carrollton — 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.