Total monthly cost of ownership
Cost to Own a Home in Moscow Mills, Missouri
A $187,000 home here costs
$1,572per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $961. The real number is $611 higher every month — 64% 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.
Moscow Mills against Lincoln County and Missouri
| Measure | Moscow Mills | Lincoln County |
|---|---|---|
| Median home value | $186,900 | $224,800 |
| Median property tax | $2,000 | $1,731 |
| Effective tax rate | 1.070% | 0.770% |
| Median gross rent | $980 | $972 |
| Population | 3,647 | 61,636 |
The weather behind that power bill
Moscow Mills sits in Lincoln County, which averages a high of 86.8°F in its hottest month and a low of 19.7°F in its coldest, with 41.25" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,159 cooling and 5,140 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Lincoln County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lincoln County
Full Lincoln County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Moscow Mills?
A $187,000 home in Moscow Mills, Missouri costs approximately $1,572 per month with 20% down at 6.66%. That is $961 principal and interest, $167 property tax, $97 homeowners insurance, $191 utilities and $156 set aside for maintenance.
What is the property tax rate in Moscow Mills?
Moscow Mills has an effective property tax rate of 1.070%, based on a median home value of $186,900 and median real estate taxes of $2,000. That is higher than the Lincoln County average of 0.770%.
What is the average home price in Moscow Mills?
The median owner-occupied home value in Moscow Mills, Missouri is $186,900, against $224,800 across Lincoln County.
Is it cheaper to rent or buy in Moscow Mills?
Median gross rent in Moscow Mills is $980 a month, against $1,572 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 Moscow Mills — 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.