Total monthly cost of ownership
Cost to Own a Home in Windsor, Missouri
A $96,000 home here costs
$948per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $40,500 a year.
A standard mortgage calculator would have told you $523. The real number is $424 higher every month, 81% more than the payment most buyers budget for.
Compare Pettis County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Windsor from a five-year rolling sample, and with about 3,038 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Pettis County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Windsor against Pettis County and Missouri
| Measure | Windsor | Pettis County |
|---|---|---|
| Median home value | $96,400 | $161,500 |
| Median property tax | $796 | $1,259 |
| Effective tax rate | 0.826% | 0.780% |
| Median gross rent | $810 | $863 |
| Population | 3,038 | 43,205 |
Windsor extends across 2 counties. Figures here use Pettis County, where most of its housing sits.
The weather behind that power bill
Windsor sits in Pettis County, which averages a high of 87.3°F in its hottest month and a low of 21.2°F in its coldest, with 36.2" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 1,266 cooling and 4,948 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Pettis County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pettis County
Full Pettis County cost breakdown · Every county in Missouri
Talk to someone who works this market
These are Windsor averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Windsor every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Windsor I already own here and may sell
Common questions
How much does it cost to own a home in Windsor?
A $96,000 home in Windsor, Missouri costs approximately $948 per month with 20% down at 7.24%. That is $523 principal and interest, $66 property tax, $50 homeowners insurance, $228 utilities and $80 set aside for maintenance.
What is the property tax rate in Windsor?
Windsor has an effective property tax rate of 0.826%, based on a median home value of $96,400 and median real estate taxes of $796. That is higher than the Pettis County average of 0.780%.
What is the average home price in Windsor?
The median owner-occupied home value in Windsor, Missouri is $96,400, against $161,500 across Pettis County.
Is it cheaper to rent or buy in Windsor?
Median gross rent in Windsor is $810 a month, against $948 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Windsor?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Windsor, Missouri at today's rate takes a household income of roughly $40,500 a year. That covers the full $948 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Windsor, 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.