Total monthly cost of ownership
Cost to Own a Home in Leadwood, Missouri
A $64,000 home here costs
$650per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $329. The real number is $321 higher every month — 98% 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.
Leadwood against St. Francois County and Missouri
| Measure | Leadwood | St. Francois County |
|---|---|---|
| Median home value | $64,000 | $155,100 |
| Median property tax | $525 | $1,161 |
| Effective tax rate | 0.820% | 0.749% |
| Median gross rent | $802 | $786 |
| Population | 1,524 | 66,864 |
The weather behind that power bill
Leadwood sits in St. Francois County, which averages a high of 88.5°F in its hottest month and a low of 22.6°F in its coldest, with 45.16" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,341 cooling and 4,551 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for St. Francois County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Francois County
Full St. Francois County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Leadwood?
A $64,000 home in Leadwood, Missouri costs approximately $650 per month with 20% down at 6.66%. That is $329 principal and interest, $44 property tax, $33 homeowners insurance, $191 utilities and $53 set aside for maintenance.
What is the property tax rate in Leadwood?
Leadwood has an effective property tax rate of 0.820%, based on a median home value of $64,000 and median real estate taxes of $525. That is higher than the St. Francois County average of 0.749%.
What is the average home price in Leadwood?
The median owner-occupied home value in Leadwood, Missouri is $64,000, against $155,100 across St. Francois County.
Is it cheaper to rent or buy in Leadwood?
Median gross rent in Leadwood is $802 a month, against $650 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Leadwood — 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.