Total monthly cost of ownership
Cost to Own a Home in Woodbine, Iowa
A $142,000 home here costs
$1,287per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $730. The real number is $557 higher every month — 76% 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.
Woodbine against Harrison County and Iowa
| Measure | Woodbine | Harrison County |
|---|---|---|
| Median home value | $141,900 | $165,300 |
| Median property tax | $2,179 | $2,214 |
| Effective tax rate | 1.536% | 1.339% |
| Median gross rent | $858 | $854 |
| Population | 1,418 | 14,645 |
The weather behind that power bill
Woodbine sits in Harrison County, which averages a high of 85.6°F in its hottest month and a low of 9.9°F in its coldest, with 34.43" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 935 cooling and 6,702 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Harrison County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harrison County
Common questions
How much does it cost to own a home in Woodbine?
A $142,000 home in Woodbine, Iowa costs approximately $1,287 per month with 20% down at 6.66%. That is $730 principal and interest, $182 property tax, $62 homeowners insurance, $195 utilities and $118 set aside for maintenance.
What is the property tax rate in Woodbine?
Woodbine has an effective property tax rate of 1.536%, based on a median home value of $141,900 and median real estate taxes of $2,179. That is higher than the Harrison County average of 1.339%.
What is the average home price in Woodbine?
The median owner-occupied home value in Woodbine, Iowa is $141,900, against $165,300 across Harrison County.
Is it cheaper to rent or buy in Woodbine?
Median gross rent in Woodbine is $858 a month, against $1,287 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 Woodbine — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Iowa.
- 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.