Total monthly cost of ownership
Cost to Own a Home in Sturgeon, Missouri
A $139,000 home here costs
$1,192per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $715. The real number is $477 higher every month — 67% 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.
Sturgeon against Boone County and Missouri
| Measure | Sturgeon | Boone County |
|---|---|---|
| Median home value | $139,300 | $254,100 |
| Median property tax | $1,179 | $2,232 |
| Effective tax rate | 0.846% | 0.878% |
| Median gross rent | $886 | $1,060 |
| Population | 1,143 | 185,874 |
The weather behind that power bill
Sturgeon sits in Boone County, which averages a high of 88.6°F in its hottest month and a low of 22.5°F in its coldest, with 44.82" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,487 cooling and 4,668 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Boone County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Boone County
Common questions
How much does it cost to own a home in Sturgeon?
A $139,000 home in Sturgeon, Missouri costs approximately $1,192 per month with 20% down at 6.66%. That is $715 principal and interest, $98 property tax, $72 homeowners insurance, $191 utilities and $116 set aside for maintenance.
What is the property tax rate in Sturgeon?
Sturgeon has an effective property tax rate of 0.846%, based on a median home value of $139,300 and median real estate taxes of $1,179. That is lower than the Boone County average of 0.878%.
What is the average home price in Sturgeon?
The median owner-occupied home value in Sturgeon, Missouri is $139,300, against $254,100 across Boone County.
Is it cheaper to rent or buy in Sturgeon?
Median gross rent in Sturgeon is $886 a month, against $1,192 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 Sturgeon — 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.