Total monthly cost of ownership
Cost to Own a Home in Bernie, Missouri
A $91,000 home here costs
$828per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $468. The real number is $361 higher every month — 77% 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.
Bernie against Stoddard County and Missouri
| Measure | Bernie | Stoddard County |
|---|---|---|
| Median home value | $90,800 | $135,400 |
| Median property tax | $556 | $885 |
| Effective tax rate | 0.612% | 0.654% |
| Median gross rent | $757 | $737 |
| Population | 1,772 | 28,547 |
The weather behind that power bill
Bernie sits in Stoddard County, which averages a high of 89.2°F in its hottest month and a low of 27.7°F in its coldest, with 50.76" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,628 cooling and 3,935 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Stoddard County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Stoddard County
Full Stoddard County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Bernie?
A $91,000 home in Bernie, Missouri costs approximately $828 per month with 20% down at 6.66%. That is $468 principal and interest, $46 property tax, $47 homeowners insurance, $191 utilities and $76 set aside for maintenance.
What is the property tax rate in Bernie?
Bernie has an effective property tax rate of 0.612%, based on a median home value of $90,800 and median real estate taxes of $556. That is lower than the Stoddard County average of 0.654%.
What is the average home price in Bernie?
The median owner-occupied home value in Bernie, Missouri is $90,800, against $135,400 across Stoddard County.
Is it cheaper to rent or buy in Bernie?
Median gross rent in Bernie is $757 a month, against $828 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 Bernie — 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.