Total monthly cost of ownership
Cost to Own a Home in Oran, Missouri
A $130,000 home here costs
$1,095per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $668. The real number is $427 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.
Oran against Scott County and Missouri
| Measure | Oran | Scott County |
|---|---|---|
| Median home value | $130,200 | $143,700 |
| Median property tax | $718 | $936 |
| Effective tax rate | 0.551% | 0.651% |
| Median gross rent | $780 | $809 |
| Population | 1,137 | 37,967 |
The weather behind that power bill
Oran sits in Scott County, which averages a high of 89.2°F in its hottest month and a low of 26.2°F in its coldest, with 47.91" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,566 cooling and 4,177 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Scott County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Scott County
Common questions
How much does it cost to own a home in Oran?
A $130,000 home in Oran, Missouri costs approximately $1,095 per month with 20% down at 6.66%. That is $668 principal and interest, $60 property tax, $68 homeowners insurance, $191 utilities and $108 set aside for maintenance.
What is the property tax rate in Oran?
Oran has an effective property tax rate of 0.551%, based on a median home value of $130,200 and median real estate taxes of $718. That is lower than the Scott County average of 0.651%.
What is the average home price in Oran?
The median owner-occupied home value in Oran, Missouri is $130,200, against $143,700 across Scott County.
Is it cheaper to rent or buy in Oran?
Median gross rent in Oran is $780 a month, against $1,095 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 Oran — 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.