Total monthly cost of ownership
Cost to Own a Home in Appleton City, Missouri
A $87,000 home here costs
$889per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $38,000 a year.
A standard mortgage calculator would have told you $474. The real number is $415 higher every month, 87% more than the payment most buyers budget for.
Compare St. Clair County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Appleton City from a five-year rolling sample, and with about 1,187 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The St. Clair County figures are drawn from a far larger sample if you want a steadier number.
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 $160 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
Talk to someone who works this market
These are Appleton City averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Appleton City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Appleton City I already own here and may sell
Common questions
How much does it cost to own a home in Appleton City?
A $87,000 home in Appleton City, Missouri costs approximately $889 per month with 20% down at 7.24%. That is $474 principal and interest, $69 property tax, $45 homeowners insurance, $228 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 $889 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Appleton City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Appleton City, Missouri at today's rate takes a household income of roughly $38,000 a year. That covers the full $889 monthly cost, not just the mortgage payment.
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.