Total monthly cost of ownership
Cost to Own a Home in Whitehouse, Ohio
A $253,000 home here costs
$2,238per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $96,000 a year.
A standard mortgage calculator would have told you $1,401. The real number is $836 higher every month, 60% more than the payment most buyers budget for.
Compare Lucas County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Whitehouse from a five-year rolling sample, and with about 4,757 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Lucas County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Whitehouse against Lucas County and Ohio
| Measure | Whitehouse | Lucas County |
|---|---|---|
| Median home value | $253,200 | $155,200 |
| Median property tax | $3,591 | $2,710 |
| Effective tax rate | 1.418% | 1.746% |
| Median gross rent | $915 | $911 |
| Population | 4,757 | 428,748 |
The weather behind that power bill
Whitehouse sits in Lucas County, which averages a high of 84.6°F in its hottest month and a low of 20.1°F in its coldest, with 32.36" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 930 cooling and 5,839 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Lucas County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lucas County
Talk to someone who works this market
These are Whitehouse averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Whitehouse every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Whitehouse I already own here and may sell
Common questions
How much does it cost to own a home in Whitehouse?
A $253,000 home in Whitehouse, Ohio costs approximately $2,238 per month with 20% down at 7.4%. That is $1,401 principal and interest, $299 property tax, $94 homeowners insurance, $233 utilities and $211 set aside for maintenance.
What is the property tax rate in Whitehouse?
Whitehouse has an effective property tax rate of 1.418%, based on a median home value of $253,200 and median real estate taxes of $3,591. That is lower than the Lucas County average of 1.746%.
What is the average home price in Whitehouse?
The median owner-occupied home value in Whitehouse, Ohio is $253,200, against $155,200 across Lucas County.
Is it cheaper to rent or buy in Whitehouse?
Median gross rent in Whitehouse is $915 a month, against $2,238 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Whitehouse?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Whitehouse, Ohio at today's rate takes a household income of roughly $96,000 a year. That covers the full $2,238 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Whitehouse, 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.