Total monthly cost of ownership
Cost to Own a Home in Rock Port, Missouri
A $109,000 home here costs
$1,008per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $560. The real number is $447 higher every month — 80% 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.
Rock Port against Atchison County and Missouri
| Measure | Rock Port | Atchison County |
|---|---|---|
| Median home value | $109,100 | $100,600 |
| Median property tax | $1,306 | $1,178 |
| Effective tax rate | 1.197% | 1.171% |
| Median gross rent | $708 | $595 |
| Population | 1,207 | 5,216 |
The weather behind that power bill
Rock Port sits in Atchison County, which averages a high of 88.1°F in its hottest month and a low of 16.7°F in its coldest, with 34.71" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 1,238 cooling and 5,541 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Atchison County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Atchison County
Full Atchison County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Rock Port?
A $109,000 home in Rock Port, Missouri costs approximately $1,008 per month with 20% down at 6.66%. That is $560 principal and interest, $109 property tax, $57 homeowners insurance, $191 utilities and $91 set aside for maintenance.
What is the property tax rate in Rock Port?
Rock Port has an effective property tax rate of 1.197%, based on a median home value of $109,100 and median real estate taxes of $1,306. That is higher than the Atchison County average of 1.171%.
What is the average home price in Rock Port?
The median owner-occupied home value in Rock Port, Missouri is $109,100, against $100,600 across Atchison County.
Is it cheaper to rent or buy in Rock Port?
Median gross rent in Rock Port is $708 a month, against $1,008 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 Rock Port — 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.