Total monthly cost of ownership
Cost to Own a Home in Poplar Bluff, Missouri
A $110,000 home here costs
$1,040per 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 $44,500 a year.
A standard mortgage calculator would have told you $600. The real number is $441 higher every month, 73% more than the payment most buyers budget for.
Compare Butler County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Poplar Bluff against Butler County and Missouri
| Measure | Poplar Bluff | Butler County |
|---|---|---|
| Median home value | $109,700 | $138,800 |
| Median property tax | $758 | $934 |
| Effective tax rate | 0.691% | 0.673% |
| Median gross rent | $760 | $768 |
| Population | 16,243 | 42,166 |
The weather behind that power bill
Poplar Bluff sits in Butler County, which averages a high of 89.2°F in its hottest month and a low of 27.7°F in its coldest, with 50.76" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,628 cooling and 3,935 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Butler County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Butler County
No other places of this size are published in Butler County.
Full Butler County cost breakdown · Every county in Missouri
Talk to someone who works this market
These are Poplar Bluff 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 Poplar Bluff every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Poplar Bluff?
A $110,000 home in Poplar Bluff, Missouri costs approximately $1,040 per month with 20% down at 7.24%. That is $600 principal and interest, $63 property tax, $57 homeowners insurance, $228 utilities and $92 set aside for maintenance.
What is the property tax rate in Poplar Bluff?
Poplar Bluff has an effective property tax rate of 0.691%, based on a median home value of $109,700 and median real estate taxes of $758. That is higher than the Butler County average of 0.673%.
What is the average home price in Poplar Bluff?
The median owner-occupied home value in Poplar Bluff, Missouri is $109,700, against $138,800 across Butler County.
Is it cheaper to rent or buy in Poplar Bluff?
Median gross rent in Poplar Bluff is $760 a month, against $1,040 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 Poplar Bluff?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Poplar Bluff, Missouri at today's rate takes a household income of roughly $44,500 a year. That covers the full $1,040 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Poplar Bluff, 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.