Total monthly cost of ownership
Cost to Own a Home in Clever, Missouri
A $179,000 home here costs
$1,466per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $920. The real number is $546 higher every month — 59% 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.
Clever against Christian County and Missouri
| Measure | Clever | Christian County |
|---|---|---|
| Median home value | $179,400 | $249,700 |
| Median property tax | $1,349 | $1,878 |
| Effective tax rate | 0.752% | 0.752% |
| Median gross rent | $1,118 | $979 |
| Population | 2,977 | 91,229 |
The weather behind that power bill
Clever sits in Christian County, which averages a high of 89.1°F in its hottest month and a low of 21.2°F in its coldest, with 45.27" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,345 cooling and 4,554 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Christian County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Christian County
Full Christian County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Clever?
A $179,000 home in Clever, Missouri costs approximately $1,466 per month with 20% down at 6.66%. That is $920 principal and interest, $112 property tax, $93 homeowners insurance, $191 utilities and $149 set aside for maintenance.
What is the property tax rate in Clever?
Clever has an effective property tax rate of 0.752%, based on a median home value of $179,400 and median real estate taxes of $1,349. That is in line with the Christian County average of 0.752%.
What is the average home price in Clever?
The median owner-occupied home value in Clever, Missouri is $179,400, against $249,700 across Christian County.
Is it cheaper to rent or buy in Clever?
Median gross rent in Clever is $1,118 a month, against $1,466 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 Clever — 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.