Total monthly cost of ownership
Cost to Own a Home in Weldon Spring, Missouri
A $523,000 home here costs
$4,011per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,689. The real number is $1,322 higher every month — 49% 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.
Weldon Spring against St. Charles County and Missouri
| Measure | Weldon Spring | St. Charles County |
|---|---|---|
| Median home value | $523,300 | $296,800 |
| Median property tax | $5,078 | $3,340 |
| Effective tax rate | 0.970% | 1.125% |
| Median gross rent | $2,692 | $1,312 |
| Population | 5,291 | 409,830 |
The weather behind that power bill
Weldon Spring sits in St. Charles County, which averages a high of 89.5°F in its hottest month and a low of 22.0°F in its coldest, with 39.75" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,448 cooling and 4,650 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for St. Charles County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Charles County
Full St. Charles County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in Weldon Spring?
A $523,000 home in Weldon Spring, Missouri costs approximately $4,011 per month with 20% down at 6.66%. That is $2,689 principal and interest, $423 property tax, $272 homeowners insurance, $191 utilities and $436 set aside for maintenance.
What is the property tax rate in Weldon Spring?
Weldon Spring has an effective property tax rate of 0.970%, based on a median home value of $523,300 and median real estate taxes of $5,078. That is lower than the St. Charles County average of 1.125%.
What is the average home price in Weldon Spring?
The median owner-occupied home value in Weldon Spring, Missouri is $523,300, against $296,800 across St. Charles County.
Is it cheaper to rent or buy in Weldon Spring?
Median gross rent in Weldon Spring is $2,692 a month, against $4,011 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 Weldon Spring — 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.