Total monthly cost of ownership
Cost to Own a Home in Camdenton, Missouri
A $172,000 home here costs
$1,380per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $884. The real number is $495 higher every month — 56% 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.
Camdenton against Camden County and Missouri
| Measure | Camdenton | Camden County |
|---|---|---|
| Median home value | $171,600 | $270,700 |
| Median property tax | $855 | $1,354 |
| Effective tax rate | 0.498% | 0.500% |
| Median gross rent | $821 | $838 |
| Population | 4,017 | 43,416 |
The weather behind that power bill
Camdenton sits in Camden County, which averages a high of 89.4°F in its hottest month and a low of 25.3°F in its coldest, with 42.57" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,565 cooling and 4,065 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Camden County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Camden County
Full Camden County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Camdenton?
A $172,000 home in Camdenton, Missouri costs approximately $1,380 per month with 20% down at 6.66%. That is $884 principal and interest, $71 property tax, $90 homeowners insurance, $191 utilities and $143 set aside for maintenance.
What is the property tax rate in Camdenton?
Camdenton has an effective property tax rate of 0.498%, based on a median home value of $171,600 and median real estate taxes of $855. That is in line with the Camden County average of 0.500%.
What is the average home price in Camdenton?
The median owner-occupied home value in Camdenton, Missouri is $171,600, against $270,700 across Camden County.
Is it cheaper to rent or buy in Camdenton?
Median gross rent in Camdenton is $821 a month, against $1,380 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 Camdenton — 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.