Total monthly cost of ownership
Cost to Own a Home in Kimberling City, Missouri
A $238,000 home here costs
$1,829per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,224. The real number is $605 higher every month — 49% 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.
Kimberling City against Stone County and Missouri
| Measure | Kimberling City | Stone County |
|---|---|---|
| Median home value | $237,700 | $236,500 |
| Median property tax | $1,105 | $1,167 |
| Effective tax rate | 0.465% | 0.493% |
| Median gross rent | $925 | $892 |
| Population | 2,559 | 31,697 |
The weather behind that power bill
Kimberling City sits in Stone County, which averages a high of 89.3°F in its hottest month and a low of 21.9°F in its coldest, with 46.56" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,368 cooling and 4,523 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Stone County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Stone County
Common questions
How much does it cost to own a home in Kimberling City?
A $238,000 home in Kimberling City, Missouri costs approximately $1,829 per month with 20% down at 6.66%. That is $1,224 principal and interest, $92 property tax, $124 homeowners insurance, $191 utilities and $198 set aside for maintenance.
What is the property tax rate in Kimberling City?
Kimberling City has an effective property tax rate of 0.465%, based on a median home value of $237,700 and median real estate taxes of $1,105. That is lower than the Stone County average of 0.493%.
What is the average home price in Kimberling City?
The median owner-occupied home value in Kimberling City, Missouri is $237,700, against $236,500 across Stone County.
Is it cheaper to rent or buy in Kimberling City?
Median gross rent in Kimberling City is $925 a month, against $1,829 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 Kimberling City — 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.