Total monthly cost of ownership
Cost to Own a Home in Adrian, Missouri
A $140,000 home here costs
$1,176per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $720. The real number is $457 higher every month — 63% 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.
Adrian against Bates County and Missouri
| Measure | Adrian | Bates County |
|---|---|---|
| Median home value | $139,600 | $154,800 |
| Median property tax | $910 | $962 |
| Effective tax rate | 0.652% | 0.621% |
| Median gross rent | $769 | $760 |
| Population | 2,006 | 16,121 |
The weather behind that power bill
Adrian sits in Bates County, which averages a high of 89.5°F in its hottest month and a low of 19.8°F in its coldest, with 43.59" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 1,469 cooling and 4,874 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Bates County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bates County
Common questions
How much does it cost to own a home in Adrian?
A $140,000 home in Adrian, Missouri costs approximately $1,176 per month with 20% down at 6.66%. That is $720 principal and interest, $76 property tax, $73 homeowners insurance, $191 utilities and $117 set aside for maintenance.
What is the property tax rate in Adrian?
Adrian has an effective property tax rate of 0.652%, based on a median home value of $139,600 and median real estate taxes of $910. That is higher than the Bates County average of 0.621%.
What is the average home price in Adrian?
The median owner-occupied home value in Adrian, Missouri is $139,600, against $154,800 across Bates County.
Is it cheaper to rent or buy in Adrian?
Median gross rent in Adrian is $769 a month, against $1,176 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 Adrian — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Missouri.
- 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.