Total monthly cost of ownership
Cost to Own a Home in Zanesville, Ohio
A $107,000 home here costs
$1,015per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $550. The real number is $465 higher every month — 84% 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.
Zanesville against Muskingum County and Ohio
| Measure | Zanesville | Muskingum County |
|---|---|---|
| Median home value | $106,900 | $170,100 |
| Median property tax | $1,105 | $1,609 |
| Effective tax rate | 1.034% | 0.946% |
| Median gross rent | $812 | $811 |
| Population | 24,726 | 86,382 |
The weather behind that power bill
Zanesville sits in Muskingum County, which averages a high of 84.8°F in its hottest month and a low of 21.7°F in its coldest, with 38.57" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 914 cooling and 5,268 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Muskingum County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Muskingum County
Common questions
How much does it cost to own a home in Zanesville?
A $107,000 home in Zanesville, Ohio costs approximately $1,015 per month with 20% down at 6.66%. That is $550 principal and interest, $92 property tax, $40 homeowners insurance, $243 utilities and $89 set aside for maintenance.
What is the property tax rate in Zanesville?
Zanesville has an effective property tax rate of 1.034%, based on a median home value of $106,900 and median real estate taxes of $1,105. That is higher than the Muskingum County average of 0.946%.
What is the average home price in Zanesville?
The median owner-occupied home value in Zanesville, Ohio is $106,900, against $170,100 across Muskingum County.
Is it cheaper to rent or buy in Zanesville?
Median gross rent in Zanesville is $812 a month, against $1,015 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 Zanesville — 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.