Total monthly cost of ownership
Cost to Own a Home in Cuba, Missouri
A $171,000 home here costs
$1,377per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $879. The real number is $498 higher every month — 57% 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.
Cuba against Crawford County and Missouri
| Measure | Cuba | Crawford County |
|---|---|---|
| Median home value | $171,000 | $166,000 |
| Median property tax | $910 | $1,011 |
| Effective tax rate | 0.532% | 0.609% |
| Median gross rent | $840 | $807 |
| Population | 3,172 | 22,890 |
The weather behind that power bill
Cuba sits in Crawford County, which averages a high of 88.9°F in its hottest month and a low of 22.4°F in its coldest, with 47.38" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,487 cooling and 4,612 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Crawford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Crawford County
Full Crawford County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Cuba?
A $171,000 home in Cuba, Missouri costs approximately $1,377 per month with 20% down at 6.66%. That is $879 principal and interest, $76 property tax, $89 homeowners insurance, $191 utilities and $143 set aside for maintenance.
What is the property tax rate in Cuba?
Cuba has an effective property tax rate of 0.532%, based on a median home value of $171,000 and median real estate taxes of $910. That is lower than the Crawford County average of 0.609%.
What is the average home price in Cuba?
The median owner-occupied home value in Cuba, Missouri is $171,000, against $166,000 across Crawford County.
Is it cheaper to rent or buy in Cuba?
Median gross rent in Cuba is $840 a month, against $1,377 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 Cuba — 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.