Total monthly cost of ownership
Cost to Own a Home in Ste. Genevieve, Missouri
A $165,000 home here costs
$1,374per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $848. The real number is $526 higher every month — 62% 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.
Ste. Genevieve against Ste. Genevieve County and Missouri
| Measure | Ste. Genevieve | Ste. Genevieve County |
|---|---|---|
| Median home value | $164,600 | $215,600 |
| Median property tax | $1,333 | $1,376 |
| Effective tax rate | 0.810% | 0.638% |
| Median gross rent | $761 | $774 |
| Population | 4,996 | 18,551 |
The weather behind that power bill
Ste. Genevieve sits in Ste. Genevieve County, which averages a high of 89.1°F in its hottest month and a low of 24.0°F in its coldest, with 42.82" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,461 cooling and 4,576 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Ste. Genevieve County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ste. Genevieve County
Full Ste. Genevieve County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Ste. Genevieve?
A $165,000 home in Ste. Genevieve, Missouri costs approximately $1,374 per month with 20% down at 6.66%. That is $848 principal and interest, $111 property tax, $86 homeowners insurance, $191 utilities and $138 set aside for maintenance.
What is the property tax rate in Ste. Genevieve?
Ste. Genevieve has an effective property tax rate of 0.810%, based on a median home value of $164,600 and median real estate taxes of $1,333. That is higher than the Ste. Genevieve County average of 0.638%.
What is the average home price in Ste. Genevieve?
The median owner-occupied home value in Ste. Genevieve, Missouri is $164,600, against $215,600 across Ste. Genevieve County.
Is it cheaper to rent or buy in Ste. Genevieve?
Median gross rent in Ste. Genevieve is $761 a month, against $1,374 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 Ste. Genevieve — 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.