Total monthly cost of ownership
Cost to Own a Home in Seymour, Missouri
A $120,000 home here costs
$1,014per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $617. The real number is $397 higher every month — 64% 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.
Seymour against Webster County and Missouri
| Measure | Seymour | Webster County |
|---|---|---|
| Median home value | $120,400 | $219,100 |
| Median property tax | $522 | $1,181 |
| Effective tax rate | 0.434% | 0.539% |
| Median gross rent | $686 | $777 |
| Population | 2,081 | 39,868 |
The weather behind that power bill
Seymour sits in Webster County, which averages a high of 87.9°F in its hottest month and a low of 21.5°F in its coldest, with 45.65" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,310 cooling and 4,689 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Webster County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Webster County
Full Webster County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Seymour?
A $120,000 home in Seymour, Missouri costs approximately $1,014 per month with 20% down at 6.66%. That is $617 principal and interest, $43 property tax, $63 homeowners insurance, $191 utilities and $100 set aside for maintenance.
What is the property tax rate in Seymour?
Seymour has an effective property tax rate of 0.434%, based on a median home value of $120,400 and median real estate taxes of $522. That is lower than the Webster County average of 0.539%.
What is the average home price in Seymour?
The median owner-occupied home value in Seymour, Missouri is $120,400, against $219,100 across Webster County.
Is it cheaper to rent or buy in Seymour?
Median gross rent in Seymour is $686 a month, against $1,014 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 Seymour — 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.