Total monthly cost of ownership
Cost to Own a Home in Senath, Missouri
A $93,000 home here costs
$836per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $478. The real number is $358 higher every month — 75% 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.
Senath against Dunklin County and Missouri
| Measure | Senath | Dunklin County |
|---|---|---|
| Median home value | $92,700 | $93,800 |
| Median property tax | $490 | $651 |
| Effective tax rate | 0.529% | 0.694% |
| Median gross rent | $485 | $632 |
| Population | 1,578 | 27,795 |
The weather behind that power bill
Senath sits in Dunklin County, which averages a high of 90.1°F in its hottest month and a low of 29.2°F in its coldest, with 53.25" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,830 cooling and 3,585 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Dunklin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dunklin County
Full Dunklin County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Senath?
A $93,000 home in Senath, Missouri costs approximately $836 per month with 20% down at 6.66%. That is $478 principal and interest, $41 property tax, $48 homeowners insurance, $191 utilities and $78 set aside for maintenance.
What is the property tax rate in Senath?
Senath has an effective property tax rate of 0.529%, based on a median home value of $92,700 and median real estate taxes of $490. That is lower than the Dunklin County average of 0.694%.
What is the average home price in Senath?
The median owner-occupied home value in Senath, Missouri is $92,700, against $93,800 across Dunklin County.
Is it cheaper to rent or buy in Senath?
Median gross rent in Senath is $485 a month, against $836 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 Senath — 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.