Total monthly cost of ownership
Cost to Own a Home in Waynesville, Missouri
A $204,000 home here costs
$1,630per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,049. The real number is $581 higher every month — 55% 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.
Waynesville against Pulaski County and Missouri
| Measure | Waynesville | Pulaski County |
|---|---|---|
| Median home value | $204,100 | $189,700 |
| Median property tax | $1,365 | $1,159 |
| Effective tax rate | 0.669% | 0.611% |
| Median gross rent | $899 | $1,072 |
| Population | 5,422 | 53,850 |
The weather behind that power bill
Waynesville sits in Pulaski County, which averages a high of 89.1°F in its hottest month and a low of 22.4°F in its coldest, with 47.46" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,399 cooling and 4,453 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Pulaski County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pulaski County
Full Pulaski County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Waynesville?
A $204,000 home in Waynesville, Missouri costs approximately $1,630 per month with 20% down at 6.66%. That is $1,049 principal and interest, $114 property tax, $106 homeowners insurance, $191 utilities and $170 set aside for maintenance.
What is the property tax rate in Waynesville?
Waynesville has an effective property tax rate of 0.669%, based on a median home value of $204,100 and median real estate taxes of $1,365. That is higher than the Pulaski County average of 0.611%.
What is the average home price in Waynesville?
The median owner-occupied home value in Waynesville, Missouri is $204,100, against $189,700 across Pulaski County.
Is it cheaper to rent or buy in Waynesville?
Median gross rent in Waynesville is $899 a month, against $1,630 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 Waynesville — 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.