Total monthly cost of ownership
Cost to Own a Home in Wardsville, Missouri
A $310,000 home here costs
$2,396per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,594. The real number is $802 higher every month — 50% 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.
Wardsville against Cole County and Missouri
| Measure | Wardsville | Cole County |
|---|---|---|
| Median home value | $309,900 | $214,400 |
| Median property tax | $2,292 | $1,728 |
| Effective tax rate | 0.740% | 0.806% |
| Median gross rent | $717 | $804 |
| Population | 1,505 | 76,924 |
The weather behind that power bill
Wardsville sits in Cole County, which averages a high of 88.9°F in its hottest month and a low of 22.5°F in its coldest, with 39.71" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,456 cooling and 4,589 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Cole County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cole County
Common questions
How much does it cost to own a home in Wardsville?
A $310,000 home in Wardsville, Missouri costs approximately $2,396 per month with 20% down at 6.66%. That is $1,594 principal and interest, $191 property tax, $161 homeowners insurance, $191 utilities and $258 set aside for maintenance.
What is the property tax rate in Wardsville?
Wardsville has an effective property tax rate of 0.740%, based on a median home value of $309,900 and median real estate taxes of $2,292. That is lower than the Cole County average of 0.806%.
What is the average home price in Wardsville?
The median owner-occupied home value in Wardsville, Missouri is $309,900, against $214,400 across Cole County.
Is it cheaper to rent or buy in Wardsville?
Median gross rent in Wardsville is $717 a month, against $2,396 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 Wardsville — 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.