Total monthly cost of ownership
Cost to Own a Home in Osage Beach, Missouri
A $287,000 home here costs
$2,318per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $99,500 a year.
A standard mortgage calculator would have told you $1,565. The real number is $753 higher every month, 48% more than the payment most buyers budget for.
Compare Camden County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Osage Beach from a five-year rolling sample, and with about 4,715 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Camden County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Osage Beach against Camden County and Missouri
| Measure | Osage Beach | Camden County |
|---|---|---|
| Median home value | $286,800 | $270,700 |
| Median property tax | $1,630 | $1,354 |
| Effective tax rate | 0.568% | 0.500% |
| Median gross rent | $780 | $838 |
| Population | 4,715 | 43,416 |
Osage Beach extends across 2 counties. Figures here use Camden County, where most of its housing sits.
The weather behind that power bill
Osage Beach sits in Camden County, which averages a high of 89.4°F in its hottest month and a low of 25.3°F in its coldest, with 42.57" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,565 cooling and 4,065 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Camden County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Camden County
Full Camden County cost breakdown · Every county in Missouri
Talk to someone who works this market
These are Osage Beach averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Osage Beach every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Osage Beach I already own here and may sell
Common questions
How much does it cost to own a home in Osage Beach?
A $287,000 home in Osage Beach, Missouri costs approximately $2,318 per month with 20% down at 7.24%. That is $1,565 principal and interest, $136 property tax, $149 homeowners insurance, $228 utilities and $239 set aside for maintenance.
What is the property tax rate in Osage Beach?
Osage Beach has an effective property tax rate of 0.568%, based on a median home value of $286,800 and median real estate taxes of $1,630. That is higher than the Camden County average of 0.500%.
What is the average home price in Osage Beach?
The median owner-occupied home value in Osage Beach, Missouri is $286,800, against $270,700 across Camden County.
Is it cheaper to rent or buy in Osage Beach?
Median gross rent in Osage Beach is $780 a month, against $2,318 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Osage Beach?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Osage Beach, Missouri at today's rate takes a household income of roughly $99,500 a year. That covers the full $2,318 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Osage Beach, 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.