Total monthly cost of ownership
Cost to Own a Home in Huntsville, Missouri
A $102,000 home here costs
$925per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $524. The real number is $401 higher every month — 76% 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.
Huntsville against Randolph County and Missouri
| Measure | Huntsville | Randolph County |
|---|---|---|
| Median home value | $101,500 | $141,900 |
| Median property tax | $858 | $1,204 |
| Effective tax rate | 0.845% | 0.848% |
| Median gross rent | $738 | $742 |
| Population | 1,806 | 24,524 |
The weather behind that power bill
Huntsville sits in Randolph County, which averages a high of 87.0°F in its hottest month and a low of 18.9°F in its coldest, with 42.7" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 1,253 cooling and 5,157 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Randolph County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Randolph County
Full Randolph County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Huntsville?
A $102,000 home in Huntsville, Missouri costs approximately $925 per month with 20% down at 6.66%. That is $524 principal and interest, $72 property tax, $53 homeowners insurance, $191 utilities and $85 set aside for maintenance.
What is the property tax rate in Huntsville?
Huntsville has an effective property tax rate of 0.845%, based on a median home value of $101,500 and median real estate taxes of $858. That is in line with the Randolph County average of 0.848%.
What is the average home price in Huntsville?
The median owner-occupied home value in Huntsville, Missouri is $101,500, against $141,900 across Randolph County.
Is it cheaper to rent or buy in Huntsville?
Median gross rent in Huntsville is $738 a month, against $925 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 Huntsville — 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.