Total monthly cost of ownership
Cost to Own a Home in Windham, Ohio
A $125,000 home here costs
$1,176per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $50,500 a year.
A standard mortgage calculator would have told you $681. The real number is $495 higher every month, 73% more than the payment most buyers budget for.
Compare Portage County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Windham from a five-year rolling sample, and with about 1,807 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 Portage 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.
Windham against Portage County and Ohio
| Measure | Windham | Portage County |
|---|---|---|
| Median home value | $124,700 | $210,500 |
| Median property tax | $1,342 | $2,728 |
| Effective tax rate | 1.076% | 1.296% |
| Median gross rent | $932 | $1,036 |
| Population | 1,807 | 161,421 |
The weather behind that power bill
Windham sits in Portage County, which averages a high of 84.5°F in its hottest month and a low of 17.0°F in its coldest, with 43.07" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 645 cooling and 6,398 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Portage County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Portage County
Talk to someone who works this market
These are Windham 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 Windham every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Windham?
A $125,000 home in Windham, Ohio costs approximately $1,176 per month with 20% down at 7.24%. That is $681 principal and interest, $112 property tax, $46 homeowners insurance, $232 utilities and $104 set aside for maintenance.
What is the property tax rate in Windham?
Windham has an effective property tax rate of 1.076%, based on a median home value of $124,700 and median real estate taxes of $1,342. That is lower than the Portage County average of 1.296%.
What is the average home price in Windham?
The median owner-occupied home value in Windham, Ohio is $124,700, against $210,500 across Portage County.
Is it cheaper to rent or buy in Windham?
Median gross rent in Windham is $932 a month, against $1,176 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 Windham?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Windham, Ohio at today's rate takes a household income of roughly $50,500 a year. That covers the full $1,176 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Windham, 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.