Total monthly cost of ownership
Cost to Own a Home in Belle, Missouri
A $141,000 home here costs
$1,168per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $725. The real number is $443 higher every month — 61% 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.
Belle against Osage County and Missouri
| Measure | Belle | Osage County |
|---|---|---|
| Median home value | $141,100 | $205,700 |
| Median property tax | $729 | $1,222 |
| Effective tax rate | 0.517% | 0.594% |
| Median gross rent | $511 | $644 |
| Population | 1,476 | 13,379 |
Belle extends across 2 counties. Figures here use Osage County, where most of its housing sits.
The weather behind that power bill
Belle sits in Osage County, which averages a high of 87.7°F in its hottest month and a low of 20.5°F in its coldest, with 44.34" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,240 cooling and 4,932 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Osage County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Osage County
Common questions
How much does it cost to own a home in Belle?
A $141,000 home in Belle, Missouri costs approximately $1,168 per month with 20% down at 6.66%. That is $725 principal and interest, $61 property tax, $73 homeowners insurance, $191 utilities and $118 set aside for maintenance.
What is the property tax rate in Belle?
Belle has an effective property tax rate of 0.517%, based on a median home value of $141,100 and median real estate taxes of $729. That is lower than the Osage County average of 0.594%.
What is the average home price in Belle?
The median owner-occupied home value in Belle, Missouri is $141,100, against $205,700 across Osage County.
Is it cheaper to rent or buy in Belle?
Median gross rent in Belle is $511 a month, against $1,168 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 Belle — 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.