Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Missouri
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Missouri ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Shelby County | 47.1% | $410 | $870 |
| 2 | Atchison County | 46.3% | $463 | $1,001 |
| 3 | Pemiscot County | 46.2% | $440 | $952 |
| 4 | Mercer County | 46.0% | $434 | $942 |
| 5 | Worth County | 45.4% | $420 | $925 |
| 6 | Knox County | 45.1% | $426 | $945 |
| 7 | Dunklin County | 45.0% | $410 | $911 |
| 8 | Mississippi County | 45.0% | $438 | $974 |
| 9 | Grundy County | 44.9% | $465 | $1,036 |
| 10 | Putnam County | 44.2% | $472 | $1,068 |
| 11 | Sullivan County | 43.9% | $432 | $984 |
| 12 | Harrison County | 43.9% | $448 | $1,022 |
| 13 | Carroll County | 43.6% | $456 | $1,046 |
| 14 | New Madrid County | 43.5% | $434 | $997 |
| 15 | Clark County | 43.5% | $483 | $1,111 |
| 16 | Gentry County | 43.3% | $501 | $1,158 |
| 17 | Schuyler County | 42.9% | $475 | $1,106 |
| 18 | Audrain County | 42.6% | $482 | $1,132 |
| 19 | Linn County | 42.5% | $463 | $1,089 |
| 20 | Iron County | 42.4% | $443 | $1,047 |
| 21 | Chariton County | 42.3% | $465 | $1,100 |
| 22 | Lewis County | 42.2% | $463 | $1,098 |
| 23 | Holt County | 42.0% | $473 | $1,126 |
| 24 | Macon County | 41.9% | $488 | $1,166 |
| 25 | Ripley County | 41.8% | $425 | $1,017 |
| 26 | Wayne County | 41.6% | $429 | $1,033 |
| 27 | Washington County | 41.4% | $446 | $1,078 |
| 28 | Pike County | 41.4% | $487 | $1,178 |
| 29 | Livingston County | 41.3% | $520 | $1,258 |
| 30 | Oregon County | 41.1% | $438 | $1,067 |
| 31 | Scotland County | 40.8% | $519 | $1,273 |
| 32 | Randolph County | 40.8% | $521 | $1,279 |
| 33 | Saline County | 40.8% | $513 | $1,258 |
| 34 | Barton County | 40.7% | $497 | $1,223 |
| 35 | Howard County | 40.6% | $531 | $1,307 |
| 36 | Texas County | 40.6% | $450 | $1,109 |
| 37 | Reynolds County | 40.6% | $437 | $1,078 |
| 38 | Vernon County | 40.4% | $495 | $1,225 |
| 39 | Hickory County | 40.3% | $444 | $1,102 |
| 40 | Stoddard County | 40.2% | $486 | $1,209 |
| 41 | Butler County | 40.0% | $495 | $1,236 |
| 42 | Marion County | 39.8% | $558 | $1,402 |
| 43 | Monroe County | 39.8% | $519 | $1,306 |
| 44 | Henry County | 39.7% | $539 | $1,359 |
| 45 | McDonald County | 39.7% | $471 | $1,187 |
| 46 | St. Clair County | 39.6% | $498 | $1,259 |
| 47 | Scott County | 39.5% | $502 | $1,269 |
| 48 | Buchanan County | 39.5% | $546 | $1,382 |
| 49 | Daviess County | 39.5% | $519 | $1,316 |
| 50 | Ralls County | 39.5% | $534 | $1,352 |
| 51 | Bollinger County | 39.4% | $495 | $1,255 |
| 52 | Caldwell County | 39.4% | $544 | $1,380 |
| 53 | St. Louis city | 39.3% | $641 | $1,629 |
| 54 | St. Francois County | 39.3% | $536 | $1,364 |
| 55 | Madison County | 39.2% | $536 | $1,368 |
| 56 | Adair County | 39.1% | $546 | $1,397 |
| 57 | Pettis County | 39.1% | $553 | $1,415 |
| 58 | Nodaway County | 39.0% | $564 | $1,446 |
| 59 | Jasper County | 39.0% | $541 | $1,387 |
| 60 | Jackson County | 38.8% | $722 | $1,861 |
| 61 | Dent County | 38.6% | $502 | $1,301 |
| 62 | DeKalb County | 38.6% | $562 | $1,456 |
| 63 | Dade County | 38.6% | $527 | $1,366 |
| 64 | Bates County | 38.6% | $519 | $1,345 |
| 65 | Laclede County | 38.5% | $529 | $1,372 |
| 66 | Gasconade County | 38.4% | $561 | $1,463 |
| 67 | Montgomery County | 38.3% | $568 | $1,482 |
| 68 | Moniteau County | 38.3% | $557 | $1,456 |
| 69 | Lawrence County | 38.1% | $526 | $1,379 |
| 70 | Carter County | 38.0% | $483 | $1,271 |
| 71 | Dallas County | 38.0% | $494 | $1,301 |
| 72 | Ray County | 37.9% | $611 | $1,611 |
| 73 | St. Louis County | 37.9% | $848 | $2,240 |
| 74 | Cedar County | 37.9% | $528 | $1,396 |
| 75 | Crawford County | 37.8% | $538 | $1,424 |
| 76 | Howell County | 37.8% | $521 | $1,381 |
| 77 | Shannon County | 37.7% | $488 | $1,294 |
| 78 | Newton County | 37.7% | $566 | $1,502 |
| 79 | Miller County | 37.7% | $548 | $1,454 |
| 80 | Benton County | 37.5% | $529 | $1,408 |
| 81 | Ozark County | 37.5% | $501 | $1,336 |
| 82 | Clinton County | 37.4% | $652 | $1,743 |
| 83 | Callaway County | 37.3% | $624 | $1,671 |
| 84 | Wright County | 37.3% | $484 | $1,297 |
| 85 | Perry County | 37.2% | $599 | $1,611 |
| 86 | Clay County | 37.2% | $811 | $2,180 |
| 87 | Andrew County | 37.2% | $619 | $1,667 |
| 88 | Barry County | 37.1% | $545 | $1,469 |
| 89 | Lafayette County | 37.0% | $628 | $1,697 |
| 90 | Morgan County | 37.0% | $565 | $1,528 |
| 91 | Franklin County | 36.8% | $668 | $1,815 |
| 92 | Jefferson County | 36.7% | $678 | $1,846 |
| 93 | Cole County | 36.7% | $663 | $1,808 |
| 94 | Douglas County | 36.6% | $508 | $1,385 |
| 95 | Greene County | 36.6% | $627 | $1,713 |
| 96 | Cooper County | 36.6% | $607 | $1,659 |
| 97 | Pulaski County | 36.5% | $583 | $1,595 |
| 98 | St. Charles County | 36.5% | $909 | $2,494 |
| 99 | Phelps County | 36.5% | $597 | $1,637 |
| 100 | Polk County | 36.3% | $578 | $1,590 |
| 101 | Cape Girardeau County | 36.1% | $628 | $1,740 |
| 102 | Lincoln County | 36.1% | $678 | $1,878 |
| 103 | Maries County | 36.1% | $581 | $1,612 |
| 104 | Boone County | 35.9% | $759 | $2,116 |
| 105 | Osage County | 35.7% | $609 | $1,708 |
| 106 | Taney County | 35.7% | $603 | $1,691 |
| 107 | Johnson County | 35.7% | $655 | $1,837 |
| 108 | Platte County | 35.7% | $940 | $2,635 |
| 109 | Ste. Genevieve County | 35.6% | $636 | $1,787 |
| 110 | Cass County | 35.5% | $790 | $2,226 |
| 111 | Warren County | 35.3% | $704 | $1,992 |
| 112 | Christian County | 35.2% | $724 | $2,057 |
| 113 | Webster County | 34.8% | $624 | $1,794 |
| 114 | Stone County | 33.9% | $646 | $1,909 |
| 115 | Camden County | 32.9% | $708 | $2,154 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Missouri