Total monthly cost of ownership
Cost to Own a Home in Bloomsdale, Missouri
A $209,000 home here costs
$1,766per 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 $75,500 a year.
A standard mortgage calculator would have told you $1,139. The real number is $627 higher every month, 55% more than the payment most buyers budget for.
Compare Ste. Genevieve County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Bloomsdale from a five-year rolling sample, and with about 1,123 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 Ste. Genevieve 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.
Bloomsdale against Ste. Genevieve County and Missouri
| Measure | Bloomsdale | Ste. Genevieve County |
|---|---|---|
| Median home value | $209,400 | $215,600 |
| Median property tax | $1,387 | $1,376 |
| Effective tax rate | 0.662% | 0.638% |
| Median gross rent | $530 | $774 |
| Population | 1,123 | 18,551 |
The weather behind that power bill
Bloomsdale sits in Ste. Genevieve County, which averages a high of 89.1°F in its hottest month and a low of 24.0°F in its coldest, with 42.82" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,461 cooling and 4,576 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Ste. Genevieve County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ste. Genevieve County
Full Ste. Genevieve County cost breakdown · Every county in Missouri
Talk to someone who works this market
These are Bloomsdale 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 Bloomsdale every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Bloomsdale I already own here and may sell
Common questions
How much does it cost to own a home in Bloomsdale?
A $209,000 home in Bloomsdale, Missouri costs approximately $1,766 per month with 20% down at 7.24%. That is $1,139 principal and interest, $115 property tax, $109 homeowners insurance, $228 utilities and $174 set aside for maintenance.
What is the property tax rate in Bloomsdale?
Bloomsdale has an effective property tax rate of 0.662%, based on a median home value of $209,400 and median real estate taxes of $1,387. That is higher than the Ste. Genevieve County average of 0.638%.
What is the average home price in Bloomsdale?
The median owner-occupied home value in Bloomsdale, Missouri is $209,400, against $215,600 across Ste. Genevieve County.
Is it cheaper to rent or buy in Bloomsdale?
Median gross rent in Bloomsdale is $530 a month, against $1,766 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 Bloomsdale?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Bloomsdale, Missouri at today's rate takes a household income of roughly $75,500 a year. That covers the full $1,766 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bloomsdale, 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.