Total monthly cost of ownership
Cost to Own a Home in St. Clair, Missouri
A $134,000 home here costs
$1,167per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $689. The real number is $478 higher every month — 69% 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.
St. Clair against Franklin County and Missouri
| Measure | St. Clair | Franklin County |
|---|---|---|
| Median home value | $134,100 | $214,900 |
| Median property tax | $1,270 | $1,774 |
| Effective tax rate | 0.947% | 0.826% |
| Median gross rent | $874 | $874 |
| Population | 4,767 | 105,316 |
The weather behind that power bill
St. Clair sits in Franklin County, which averages a high of 90.6°F in its hottest month and a low of 22.9°F in its coldest, with 44.96" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,485 cooling and 4,400 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Franklin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Franklin County
Full Franklin County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in St. Clair?
A $134,000 home in St. Clair, Missouri costs approximately $1,167 per month with 20% down at 6.66%. That is $689 principal and interest, $106 property tax, $70 homeowners insurance, $191 utilities and $112 set aside for maintenance.
What is the property tax rate in St. Clair?
St. Clair has an effective property tax rate of 0.947%, based on a median home value of $134,100 and median real estate taxes of $1,270. That is higher than the Franklin County average of 0.826%.
What is the average home price in St. Clair?
The median owner-occupied home value in St. Clair, Missouri is $134,100, against $214,900 across Franklin County.
Is it cheaper to rent or buy in St. Clair?
Median gross rent in St. Clair is $874 a month, against $1,167 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 St. Clair — 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.