Total monthly cost of ownership
Cost to Own a Home in Lake Winnebago, Missouri
A $646,000 home here costs
$4,921per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,321. The real number is $1,600 higher every month — 48% 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.
Lake Winnebago against Cass County and Missouri
| Measure | Lake Winnebago | Cass County |
|---|---|---|
| Median home value | $646,200 | $269,000 |
| Median property tax | $6,410 | $2,364 |
| Effective tax rate | 0.992% | 0.879% |
| Median gross rent | $2,571 | $1,147 |
| Population | 1,401 | 109,393 |
The weather behind that power bill
Lake Winnebago sits in Cass County, which averages a high of 88.3°F in its hottest month and a low of 22.1°F in its coldest, with 38.34" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 1,446 cooling and 4,786 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Cass County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cass County
Common questions
How much does it cost to own a home in Lake Winnebago?
A $646,000 home in Lake Winnebago, Missouri costs approximately $4,921 per month with 20% down at 6.66%. That is $3,321 principal and interest, $534 property tax, $336 homeowners insurance, $191 utilities and $538 set aside for maintenance.
What is the property tax rate in Lake Winnebago?
Lake Winnebago has an effective property tax rate of 0.992%, based on a median home value of $646,200 and median real estate taxes of $6,410. That is higher than the Cass County average of 0.879%.
What is the average home price in Lake Winnebago?
The median owner-occupied home value in Lake Winnebago, Missouri is $646,200, against $269,000 across Cass County.
Is it cheaper to rent or buy in Lake Winnebago?
Median gross rent in Lake Winnebago is $2,571 a month, against $4,921 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 Lake Winnebago — 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.