Total monthly cost of ownership
Cost to Own a Home in Malden, Missouri
A $89,000 home here costs
$816per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $458. The real number is $358 higher every month — 78% 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.
Malden against Dunklin County and Missouri
| Measure | Malden | Dunklin County |
|---|---|---|
| Median home value | $88,900 | $93,800 |
| Median property tax | $559 | $651 |
| Effective tax rate | 0.629% | 0.694% |
| Median gross rent | $702 | $632 |
| Population | 3,818 | 27,795 |
The weather behind that power bill
Malden sits in Dunklin County, which averages a high of 90.1°F in its hottest month and a low of 29.2°F in its coldest, with 53.25" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,830 cooling and 3,585 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Dunklin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dunklin County
Full Dunklin County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Malden?
A $89,000 home in Malden, Missouri costs approximately $816 per month with 20% down at 6.66%. That is $458 principal and interest, $47 property tax, $46 homeowners insurance, $191 utilities and $74 set aside for maintenance.
What is the property tax rate in Malden?
Malden has an effective property tax rate of 0.629%, based on a median home value of $88,900 and median real estate taxes of $559. That is lower than the Dunklin County average of 0.694%.
What is the average home price in Malden?
The median owner-occupied home value in Malden, Missouri is $88,900, against $93,800 across Dunklin County.
Is it cheaper to rent or buy in Malden?
Median gross rent in Malden is $702 a month, against $816 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 Malden — 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.