Total monthly cost of ownership
Cost to Own a Home in Appleton City, Missouri
A $87,000 home here costs
$825per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $447. The real number is $378 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.
Appleton City against St. Clair County and Missouri
| Measure | Appleton City | St. Clair County |
|---|---|---|
| Median home value | $86,500 | $142,500 |
| Median property tax | $820 | $911 |
| Effective tax rate | 0.948% | 0.639% |
| Median gross rent | $503 | $607 |
| Population | 1,187 | 9,451 |
The weather behind that power bill
Appleton City sits in St. Clair County, which averages a high of 90.3°F in its hottest month and a low of 21.0°F in its coldest, with 43.24" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 1,490 cooling and 4,640 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for St. Clair County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Clair County
No other places of this size are published in St. Clair County.
Full St. Clair County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Appleton City?
A $87,000 home in Appleton City, Missouri costs approximately $825 per month with 20% down at 6.66%. That is $447 principal and interest, $69 property tax, $45 homeowners insurance, $191 utilities and $73 set aside for maintenance.
What is the property tax rate in Appleton City?
Appleton City has an effective property tax rate of 0.948%, based on a median home value of $86,500 and median real estate taxes of $820. That is higher than the St. Clair County average of 0.639%.
What is the average home price in Appleton City?
The median owner-occupied home value in Appleton City, Missouri is $86,500, against $142,500 across St. Clair County.
Is it cheaper to rent or buy in Appleton City?
Median gross rent in Appleton City is $503 a month, against $825 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 Appleton City — 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.