Total monthly cost of ownership
Cost to Own a Home in Villa Ridge, Missouri
A $153,000 home here costs
$1,306per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $787. The real number is $519 higher every month — 66% 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.
Villa Ridge against Franklin County and Missouri
| Measure | Villa Ridge | Franklin County |
|---|---|---|
| Median home value | $153,100 | $214,900 |
| Median property tax | $1,451 | $1,774 |
| Effective tax rate | 0.948% | 0.826% |
| Median gross rent | $1,605 | $874 |
| Population | 2,994 | 105,316 |
The weather behind that power bill
Villa Ridge sits in Franklin County, which averages a high of 90.6°F in its hottest month and a low of 22.9°F in its coldest, with 44.96" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,485 cooling and 4,400 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Franklin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Franklin County
Full Franklin County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Villa Ridge?
A $153,000 home in Villa Ridge, Missouri costs approximately $1,306 per month with 20% down at 6.66%. That is $787 principal and interest, $121 property tax, $80 homeowners insurance, $191 utilities and $128 set aside for maintenance.
What is the property tax rate in Villa Ridge?
Villa Ridge has an effective property tax rate of 0.948%, based on a median home value of $153,100 and median real estate taxes of $1,451. That is higher than the Franklin County average of 0.826%.
What is the average home price in Villa Ridge?
The median owner-occupied home value in Villa Ridge, Missouri is $153,100, against $214,900 across Franklin County.
Is it cheaper to rent or buy in Villa Ridge?
Median gross rent in Villa Ridge is $1,605 a month, against $1,306 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 Villa Ridge — 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.