Total monthly cost of ownership
Cost to Own a Home in St. Paul, Missouri
A $422,000 home here costs
$3,313per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,170. The real number is $1,144 higher every month — 53% 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. Paul against St. Charles County and Missouri
| Measure | St. Paul | St. Charles County |
|---|---|---|
| Median home value | $421,900 | $296,800 |
| Median property tax | $4,572 | $3,340 |
| Effective tax rate | 1.084% | 1.125% |
| Median gross rent | $697 | $1,312 |
| Population | 3,292 | 409,830 |
The weather behind that power bill
St. Paul sits in St. Charles County, which averages a high of 89.5°F in its hottest month and a low of 22.0°F in its coldest, with 39.75" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,448 cooling and 4,650 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for St. Charles County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Charles County
Full St. Charles County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in St. Paul?
A $422,000 home in St. Paul, Missouri costs approximately $3,313 per month with 20% down at 6.66%. That is $2,170 principal and interest, $381 property tax, $220 homeowners insurance, $191 utilities and $352 set aside for maintenance.
What is the property tax rate in St. Paul?
St. Paul has an effective property tax rate of 1.084%, based on a median home value of $421,900 and median real estate taxes of $4,572. That is lower than the St. Charles County average of 1.125%.
What is the average home price in St. Paul?
The median owner-occupied home value in St. Paul, Missouri is $421,900, against $296,800 across St. Charles County.
Is it cheaper to rent or buy in St. Paul?
Median gross rent in St. Paul is $697 a month, against $3,313 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. Paul — 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.