Total monthly cost of ownership
Cost to Own a Home in Holden, Missouri
A $132,000 home here costs
$1,139per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $679. The real number is $460 higher every month — 68% 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.
Holden against Johnson County and Missouri
| Measure | Holden | Johnson County |
|---|---|---|
| Median home value | $132,400 | $221,400 |
| Median property tax | $1,086 | $1,515 |
| Effective tax rate | 0.820% | 0.684% |
| Median gross rent | $812 | $905 |
| Population | 1,936 | 54,331 |
The weather behind that power bill
Holden sits in Johnson County, which averages a high of 89.8°F in its hottest month and a low of 18.4°F in its coldest, with 42.11" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 1,356 cooling and 4,997 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Johnson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Johnson County
Full Johnson County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Holden?
A $132,000 home in Holden, Missouri costs approximately $1,139 per month with 20% down at 6.66%. That is $679 principal and interest, $90 property tax, $69 homeowners insurance, $191 utilities and $110 set aside for maintenance.
What is the property tax rate in Holden?
Holden has an effective property tax rate of 0.820%, based on a median home value of $132,400 and median real estate taxes of $1,086. That is higher than the Johnson County average of 0.684%.
What is the average home price in Holden?
The median owner-occupied home value in Holden, Missouri is $132,400, against $221,400 across Johnson County.
Is it cheaper to rent or buy in Holden?
Median gross rent in Holden is $812 a month, against $1,139 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 Holden — 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.