Total monthly cost of ownership
Cost to Own a Home in Williamsburg, Ohio
A $167,000 home here costs
$1,416per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $859. The real number is $558 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.
Williamsburg against Clermont County and Ohio
| Measure | Williamsburg | Clermont County |
|---|---|---|
| Median home value | $167,100 | $245,600 |
| Median property tax | $1,359 | $3,141 |
| Effective tax rate | 0.813% | 1.279% |
| Median gross rent | $799 | $1,040 |
| Population | 2,598 | 209,862 |
The weather behind that power bill
Williamsburg sits in Clermont County, which averages a high of 86.6°F in its hottest month and a low of 23.6°F in its coldest, with 43.4" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,126 cooling and 4,804 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Clermont County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clermont County
Common questions
How much does it cost to own a home in Williamsburg?
A $167,000 home in Williamsburg, Ohio costs approximately $1,416 per month with 20% down at 6.66%. That is $859 principal and interest, $113 property tax, $62 homeowners insurance, $243 utilities and $139 set aside for maintenance.
What is the property tax rate in Williamsburg?
Williamsburg has an effective property tax rate of 0.813%, based on a median home value of $167,100 and median real estate taxes of $1,359. That is lower than the Clermont County average of 1.279%.
What is the average home price in Williamsburg?
The median owner-occupied home value in Williamsburg, Ohio is $167,100, against $245,600 across Clermont County.
Is it cheaper to rent or buy in Williamsburg?
Median gross rent in Williamsburg is $799 a month, against $1,416 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 Williamsburg — 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.