Total monthly cost of ownership
Cost to Own a Home in Osage Beach, Missouri
A $287,000 home here costs
$2,191per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,475. The real number is $715 higher every month — 48% 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.
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 $123 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
Common questions
How much does it cost to own a home in Osage Beach?
A $287,000 home in Osage Beach, Missouri costs approximately $2,191 per month with 20% down at 6.66%. That is $1,475 principal and interest, $136 property tax, $149 homeowners insurance, $191 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 $2,191 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 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.