Total monthly cost of ownership
Cost to Own a Home in Kirksville, Missouri
A $145,000 home here costs
$1,236per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $745. The real number is $490 higher every month — 66% 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.
Kirksville against Adair County and Missouri
| Measure | Kirksville | Adair County |
|---|---|---|
| Median home value | $145,300 | $159,500 |
| Median property tax | $1,236 | $1,210 |
| Effective tax rate | 0.851% | 0.759% |
| Median gross rent | $787 | $782 |
| Population | 17,493 | 25,224 |
The weather behind that power bill
Kirksville sits in Adair County, which averages a high of 85.7°F in its hottest month and a low of 15.1°F in its coldest, with 42.47" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 1,016 cooling and 5,954 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Adair County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adair County
No other places of this size are published in Adair County.
Common questions
How much does it cost to own a home in Kirksville?
A $145,000 home in Kirksville, Missouri costs approximately $1,236 per month with 20% down at 6.66%. That is $745 principal and interest, $103 property tax, $76 homeowners insurance, $191 utilities and $121 set aside for maintenance.
What is the property tax rate in Kirksville?
Kirksville has an effective property tax rate of 0.851%, based on a median home value of $145,300 and median real estate taxes of $1,236. That is higher than the Adair County average of 0.759%.
What is the average home price in Kirksville?
The median owner-occupied home value in Kirksville, Missouri is $145,300, against $159,500 across Adair County.
Is it cheaper to rent or buy in Kirksville?
Median gross rent in Kirksville is $787 a month, against $1,236 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 Kirksville — 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.