Total monthly cost of ownership
Cost to Own a Home in Unionville, Missouri
A $98,000 home here costs
$905per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $504. The real number is $401 higher every month — 80% 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.
Unionville against Putnam County and Missouri
| Measure | Unionville | Putnam County |
|---|---|---|
| Median home value | $98,300 | $111,600 |
| Median property tax | $932 | $1,101 |
| Effective tax rate | 0.948% | 0.987% |
| Median gross rent | $601 | $575 |
| Population | 1,725 | 4,675 |
The weather behind that power bill
Unionville sits in Putnam County, which averages a high of 85.5°F in its hottest month and a low of 14.8°F in its coldest, with 41.93" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 986 cooling and 6,103 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Putnam County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Putnam County
No other places of this size are published in Putnam County.
Full Putnam County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Unionville?
A $98,000 home in Unionville, Missouri costs approximately $905 per month with 20% down at 6.66%. That is $504 principal and interest, $77 property tax, $51 homeowners insurance, $191 utilities and $82 set aside for maintenance.
What is the property tax rate in Unionville?
Unionville has an effective property tax rate of 0.948%, based on a median home value of $98,300 and median real estate taxes of $932. That is lower than the Putnam County average of 0.987%.
What is the average home price in Unionville?
The median owner-occupied home value in Unionville, Missouri is $98,300, against $111,600 across Putnam County.
Is it cheaper to rent or buy in Unionville?
Median gross rent in Unionville is $601 a month, against $905 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 Unionville — 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.