Total monthly cost of ownership
Cost to Own a Home in Terre du Lac, Missouri
A $186,000 home here costs
$1,605per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $69,000 a year.
A standard mortgage calculator would have told you $1,014. The real number is $591 higher every month, 58% more than the payment most buyers budget for.
Compare St. Francois County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Terre du Lac from a five-year rolling sample, and with about 2,460 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The St. Francois County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Terre du Lac against St. Francois County and Missouri
| Measure | Terre du Lac | St. Francois County |
|---|---|---|
| Median home value | $186,400 | $155,100 |
| Median property tax | $1,331 | $1,161 |
| Effective tax rate | 0.714% | 0.749% |
| Median gross rent | — | $786 |
| Population | 2,460 | 66,864 |
Terre du Lac extends across 2 counties. Figures here use St. Francois County, where most of its housing sits.
The weather behind that power bill
Terre du Lac sits in St. Francois County, which averages a high of 88.5°F in its hottest month and a low of 22.6°F in its coldest, with 45.16" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,341 cooling and 4,551 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for St. Francois County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Francois County
Full St. Francois County cost breakdown · Every county in Missouri
Talk to someone who works this market
These are Terre du Lac averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Terre du Lac every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Terre du Lac I already own here and may sell
Common questions
How much does it cost to own a home in Terre du Lac?
A $186,000 home in Terre du Lac, Missouri costs approximately $1,605 per month with 20% down at 7.24%. That is $1,014 principal and interest, $111 property tax, $97 homeowners insurance, $228 utilities and $155 set aside for maintenance.
What is the property tax rate in Terre du Lac?
Terre du Lac has an effective property tax rate of 0.714%, based on a median home value of $186,400 and median real estate taxes of $1,331. That is lower than the St. Francois County average of 0.749%.
What is the average home price in Terre du Lac?
The median owner-occupied home value in Terre du Lac, Missouri is $186,400, against $155,100 across St. Francois County.
Is it cheaper to rent or buy in Terre du Lac?
Rent data is not published for Terre du Lac at this level of detail.
What salary do you need to buy a home in Terre du Lac?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Terre du Lac, Missouri at today's rate takes a household income of roughly $69,000 a year. That covers the full $1,605 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Terre du Lac, 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.