Total monthly cost of ownership
Cost to Own a Home in Vandalia, Missouri
A $76,000 home here costs
$747per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $391. The real number is $356 higher every month — 91% 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.
Vandalia against Audrain County and Missouri
| Measure | Vandalia | Audrain County |
|---|---|---|
| Median home value | $75,600 | $121,600 |
| Median property tax | $742 | $1,064 |
| Effective tax rate | 0.981% | 0.875% |
| Median gross rent | $762 | $698 |
| Population | 3,260 | 24,688 |
Vandalia extends across 2 counties. Figures here use Audrain County, where most of its housing sits.
The weather behind that power bill
Vandalia sits in Audrain County, which averages a high of 87.9°F in its hottest month and a low of 19.3°F in its coldest, with 43.52" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,275 cooling and 5,168 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Audrain County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Audrain County
Full Audrain County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Vandalia?
A $76,000 home in Vandalia, Missouri costs approximately $747 per month with 20% down at 6.66%. That is $391 principal and interest, $62 property tax, $40 homeowners insurance, $191 utilities and $63 set aside for maintenance.
What is the property tax rate in Vandalia?
Vandalia has an effective property tax rate of 0.981%, based on a median home value of $75,600 and median real estate taxes of $742. That is higher than the Audrain County average of 0.875%.
What is the average home price in Vandalia?
The median owner-occupied home value in Vandalia, Missouri is $75,600, against $121,600 across Audrain County.
Is it cheaper to rent or buy in Vandalia?
Median gross rent in Vandalia is $762 a month, against $747 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Vandalia — 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.