Total monthly cost of ownership
Cost to Own a Home in Zeigler, Illinois
A $52,000 home here costs
$679per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $267. The real number is $412 higher every month — 154% 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.
Zeigler against Franklin County and Illinois
| Measure | Zeigler | Franklin County |
|---|---|---|
| Median home value | $52,000 | $87,700 |
| Median property tax | $788 | $1,316 |
| Effective tax rate | 1.515% | 1.501% |
| Median gross rent | $694 | $771 |
| Population | 1,325 | 37,541 |
The weather behind that power bill
Zeigler sits in Franklin County, which averages a high of 88.4°F in its hottest month and a low of 24.8°F in its coldest, with 44.01" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,370 cooling and 4,460 heating degree days, which is what sets the $214 electricity line above.
See the full climate breakdown for Franklin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Franklin County
Full Franklin County cost breakdown · Every county in Illinois
Common questions
How much does it cost to own a home in Zeigler?
A $52,000 home in Zeigler, Illinois costs approximately $679 per month with 20% down at 6.66%. That is $267 principal and interest, $66 property tax, $20 homeowners insurance, $282 utilities and $43 set aside for maintenance.
What is the property tax rate in Zeigler?
Zeigler has an effective property tax rate of 1.515%, based on a median home value of $52,000 and median real estate taxes of $788. That is higher than the Franklin County average of 1.501%.
What is the average home price in Zeigler?
The median owner-occupied home value in Zeigler, Illinois is $52,000, against $87,700 across Franklin County.
Is it cheaper to rent or buy in Zeigler?
Median gross rent in Zeigler is $694 a month, against $679 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Zeigler — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Illinois.
- 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.