Total monthly cost of ownership
Cost to Own a Home in Windsor, Missouri
A $96,000 home here costs
$881per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $494. The real number is $387 higher every month — 78% 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.
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 $123 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
Common questions
How much does it cost to own a home in Windsor?
A $96,000 home in Windsor, Missouri costs approximately $881 per month with 20% down at 6.66%. That is $494 principal and interest, $66 property tax, $50 homeowners insurance, $191 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 $881 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 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.