Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Missouri
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Missouri ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Shelby County | $410 | $86,200 | 0.896% |
| 2 | Dunklin County | $410 | $93,800 | 0.694% |
| 3 | Worth County | $420 | $94,600 | 0.801% |
| 4 | Ripley County | $425 | $110,800 | 0.501% |
| 5 | Knox County | $426 | $97,200 | 0.802% |
| 6 | Wayne County | $429 | $113,100 | 0.500% |
| 7 | Sullivan County | $432 | $103,300 | 0.736% |
| 8 | Mercer County | $434 | $95,300 | 0.950% |
| 9 | New Madrid County | $434 | $105,500 | 0.707% |
| 10 | Reynolds County | $437 | $119,900 | 0.461% |
| 11 | Mississippi County | $438 | $100,300 | 0.877% |
| 12 | Oregon County | $438 | $117,700 | 0.509% |
| 13 | Pemiscot County | $440 | $95,900 | 1.011% |
| 14 | Iron County | $443 | $113,000 | 0.651% |
| 15 | Hickory County | $444 | $123,200 | 0.472% |
| 16 | Washington County | $446 | $118,400 | 0.576% |
| 17 | Harrison County | $448 | $107,400 | 0.824% |
| 18 | Texas County | $450 | $123,300 | 0.529% |
| 19 | Carroll County | $456 | $110,500 | 0.844% |
| 20 | Linn County | $463 | $117,300 | 0.766% |
| 21 | Lewis County | $463 | $118,900 | 0.736% |
| 22 | Atchison County | $463 | $100,600 | 1.171% |
| 23 | Chariton County | $465 | $118,900 | 0.757% |
| 24 | Grundy County | $465 | $107,000 | 1.022% |
| 25 | McDonald County | $471 | $134,100 | 0.539% |
| 26 | Putnam County | $472 | $111,600 | 0.987% |
| 27 | Holt County | $473 | $122,300 | 0.773% |
| 28 | Schuyler County | $475 | $118,200 | 0.871% |
| 29 | Audrain County | $482 | $121,600 | 0.875% |
| 30 | Clark County | $483 | $117,600 | 0.969% |
| 31 | Carter County | $483 | $147,600 | 0.443% |
| 32 | Wright County | $484 | $152,300 | 0.383% |
| 33 | Stoddard County | $486 | $135,400 | 0.654% |
| 34 | Pike County | $487 | $129,400 | 0.768% |
| 35 | Shannon County | $488 | $151,000 | 0.432% |
| 36 | Macon County | $488 | $127,000 | 0.826% |
| 37 | Dallas County | $494 | $151,200 | 0.480% |
| 38 | Bollinger County | $495 | $142,400 | 0.614% |
| 39 | Butler County | $495 | $138,800 | 0.673% |
| 40 | Vernon County | $495 | $136,700 | 0.710% |
| 41 | Barton County | $497 | $136,000 | 0.743% |
| 42 | St. Clair County | $498 | $142,500 | 0.639% |
| 43 | Gentry County | $501 | $123,000 | 1.031% |
| 44 | Ozark County | $501 | $156,400 | 0.465% |
| 45 | Scott County | $502 | $143,700 | 0.651% |
| 46 | Dent County | $502 | $149,700 | 0.563% |
| 47 | Douglas County | $508 | $164,400 | 0.409% |
| 48 | Saline County | $513 | $139,600 | 0.815% |
| 49 | Bates County | $519 | $154,800 | 0.621% |
| 50 | Daviess County | $519 | $149,200 | 0.708% |
| 51 | Monroe County | $519 | $147,400 | 0.737% |
| 52 | Scotland County | $519 | $141,100 | 0.845% |
| 53 | Livingston County | $520 | $138,300 | 0.899% |
| 54 | Howell County | $521 | $161,000 | 0.554% |
| 55 | Randolph County | $521 | $141,900 | 0.848% |
| 56 | Lawrence County | $526 | $159,800 | 0.606% |
| 57 | Dade County | $527 | $157,200 | 0.650% |
| 58 | Cedar County | $528 | $162,500 | 0.586% |
| 59 | Benton County | $529 | $164,700 | 0.557% |
| 60 | Laclede County | $529 | $158,000 | 0.653% |
| 61 | Howard County | $531 | $145,300 | 0.869% |
| 62 | Ralls County | $534 | $153,400 | 0.757% |
| 63 | Madison County | $536 | $155,900 | 0.735% |
| 64 | St. Francois County | $536 | $155,100 | 0.749% |
| 65 | Crawford County | $538 | $166,000 | 0.609% |
| 66 | Henry County | $539 | $153,500 | 0.801% |
| 67 | Jasper County | $541 | $158,500 | 0.739% |
| 68 | Caldwell County | $544 | $156,700 | 0.785% |
| 69 | Barry County | $545 | $172,900 | 0.571% |
| 70 | Buchanan County | $546 | $156,600 | 0.800% |
| 71 | Adair County | $546 | $159,500 | 0.759% |
| 72 | Miller County | $548 | $169,800 | 0.627% |
| 73 | Pettis County | $553 | $161,500 | 0.780% |
| 74 | Moniteau County | $557 | $168,300 | 0.716% |
| 75 | Marion County | $558 | $158,100 | 0.868% |
| 76 | Gasconade County | $561 | $168,900 | 0.733% |
| 77 | DeKalb County | $562 | $167,500 | 0.758% |
| 78 | Nodaway County | $564 | $165,100 | 0.812% |
| 79 | Morgan County | $565 | $180,400 | 0.610% |
| 80 | Newton County | $566 | $175,300 | 0.680% |
| 81 | Montgomery County | $568 | $171,300 | 0.748% |
| 82 | Polk County | $578 | $189,600 | 0.581% |
| 83 | Maries County | $581 | $193,100 | 0.563% |
| 84 | Pulaski County | $583 | $189,700 | 0.611% |
| 85 | Phelps County | $597 | $194,900 | 0.640% |
| 86 | Perry County | $599 | $189,400 | 0.722% |
| 87 | Taney County | $603 | $203,800 | 0.578% |
| 88 | Cooper County | $607 | $197,100 | 0.676% |
| 89 | Osage County | $609 | $205,700 | 0.594% |
| 90 | Ray County | $611 | $187,400 | 0.818% |
| 91 | Andrew County | $619 | $196,200 | 0.762% |
| 92 | Callaway County | $624 | $196,200 | 0.790% |
| 93 | Webster County | $624 | $219,100 | 0.539% |
| 94 | Greene County | $627 | $203,500 | 0.722% |
| 95 | Cape Girardeau County | $628 | $208,300 | 0.674% |
| 96 | Lafayette County | $628 | $200,300 | 0.766% |
| 97 | Ste. Genevieve County | $636 | $215,600 | 0.638% |
| 98 | St. Louis city | $641 | $185,100 | 1.045% |
| 99 | Stone County | $646 | $236,500 | 0.493% |
| 100 | Clinton County | $652 | $204,300 | 0.860% |
| 101 | Johnson County | $655 | $221,400 | 0.684% |
| 102 | Cole County | $663 | $214,400 | 0.806% |
| 103 | Franklin County | $668 | $214,900 | 0.826% |
| 104 | Lincoln County | $678 | $224,800 | 0.770% |
| 105 | Jefferson County | $678 | $218,800 | 0.839% |
| 106 | Warren County | $704 | $241,200 | 0.738% |
| 107 | Camden County | $708 | $270,700 | 0.500% |
| 108 | Jackson County | $722 | $213,300 | 1.148% |
| 109 | Christian County | $724 | $249,700 | 0.752% |
| 110 | Boone County | $759 | $254,100 | 0.878% |
| 111 | Cass County | $790 | $269,000 | 0.879% |
| 112 | Clay County | $811 | $256,400 | 1.099% |
| 113 | St. Louis County | $848 | $260,700 | 1.225% |
| 114 | St. Charles County | $909 | $296,800 | 1.125% |
| 115 | Platte County | $940 | $317,600 | 1.060% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Missouri