Total monthly cost of ownership
Cost to Own a Home in Perryville, Missouri
A $185,000 home here costs
$1,504per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $951. The real number is $553 higher every month — 58% 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.
Perryville against Perry County and Missouri
| Measure | Perryville | Perry County |
|---|---|---|
| Median home value | $184,700 | $189,400 |
| Median property tax | $1,337 | $1,368 |
| Effective tax rate | 0.724% | 0.722% |
| Median gross rent | $929 | $923 |
| Population | 8,530 | 18,947 |
The weather behind that power bill
Perryville sits in Perry County, which averages a high of 88.3°F in its hottest month and a low of 21.3°F in its coldest, with 46.23" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,274 cooling and 4,878 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Perry County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Perry County
No other places of this size are published in Perry County.
Common questions
How much does it cost to own a home in Perryville?
A $185,000 home in Perryville, Missouri costs approximately $1,504 per month with 20% down at 6.66%. That is $951 principal and interest, $112 property tax, $96 homeowners insurance, $191 utilities and $154 set aside for maintenance.
What is the property tax rate in Perryville?
Perryville has an effective property tax rate of 0.724%, based on a median home value of $184,700 and median real estate taxes of $1,337. That is in line with the Perry County average of 0.722%.
What is the average home price in Perryville?
The median owner-occupied home value in Perryville, Missouri is $184,700, against $189,400 across Perry County.
Is it cheaper to rent or buy in Perryville?
Median gross rent in Perryville is $929 a month, against $1,504 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 Perryville — 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.