Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Missouri
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Missouri ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Camden County | 32.9% | $708 | $2,154 |
| 2 | Stone County | 33.9% | $646 | $1,909 |
| 3 | Webster County | 34.8% | $624 | $1,794 |
| 4 | Christian County | 35.2% | $724 | $2,057 |
| 5 | Warren County | 35.3% | $704 | $1,992 |
| 6 | Cass County | 35.5% | $790 | $2,226 |
| 7 | Ste. Genevieve County | 35.6% | $636 | $1,787 |
| 8 | Platte County | 35.7% | $940 | $2,635 |
| 9 | Johnson County | 35.7% | $655 | $1,837 |
| 10 | Taney County | 35.7% | $603 | $1,691 |
| 11 | Osage County | 35.7% | $609 | $1,708 |
| 12 | Boone County | 35.9% | $759 | $2,116 |
| 13 | Maries County | 36.1% | $581 | $1,612 |
| 14 | Lincoln County | 36.1% | $678 | $1,878 |
| 15 | Cape Girardeau County | 36.1% | $628 | $1,740 |
| 16 | Polk County | 36.3% | $578 | $1,590 |
| 17 | Phelps County | 36.5% | $597 | $1,637 |
| 18 | St. Charles County | 36.5% | $909 | $2,494 |
| 19 | Pulaski County | 36.5% | $583 | $1,595 |
| 20 | Cooper County | 36.6% | $607 | $1,659 |
| 21 | Greene County | 36.6% | $627 | $1,713 |
| 22 | Douglas County | 36.6% | $508 | $1,385 |
| 23 | Cole County | 36.7% | $663 | $1,808 |
| 24 | Jefferson County | 36.7% | $678 | $1,846 |
| 25 | Franklin County | 36.8% | $668 | $1,815 |
| 26 | Morgan County | 37.0% | $565 | $1,528 |
| 27 | Lafayette County | 37.0% | $628 | $1,697 |
| 28 | Barry County | 37.1% | $545 | $1,469 |
| 29 | Andrew County | 37.2% | $619 | $1,667 |
| 30 | Clay County | 37.2% | $811 | $2,180 |
| 31 | Perry County | 37.2% | $599 | $1,611 |
| 32 | Wright County | 37.3% | $484 | $1,297 |
| 33 | Callaway County | 37.3% | $624 | $1,671 |
| 34 | Clinton County | 37.4% | $652 | $1,743 |
| 35 | Ozark County | 37.5% | $501 | $1,336 |
| 36 | Benton County | 37.5% | $529 | $1,408 |
| 37 | Miller County | 37.7% | $548 | $1,454 |
| 38 | Newton County | 37.7% | $566 | $1,502 |
| 39 | Shannon County | 37.7% | $488 | $1,294 |
| 40 | Howell County | 37.8% | $521 | $1,381 |
| 41 | Crawford County | 37.8% | $538 | $1,424 |
| 42 | Cedar County | 37.9% | $528 | $1,396 |
| 43 | St. Louis County | 37.9% | $848 | $2,240 |
| 44 | Ray County | 37.9% | $611 | $1,611 |
| 45 | Dallas County | 38.0% | $494 | $1,301 |
| 46 | Carter County | 38.0% | $483 | $1,271 |
| 47 | Lawrence County | 38.1% | $526 | $1,379 |
| 48 | Moniteau County | 38.3% | $557 | $1,456 |
| 49 | Montgomery County | 38.3% | $568 | $1,482 |
| 50 | Gasconade County | 38.4% | $561 | $1,463 |
| 51 | Laclede County | 38.5% | $529 | $1,372 |
| 52 | Bates County | 38.6% | $519 | $1,345 |
| 53 | Dade County | 38.6% | $527 | $1,366 |
| 54 | DeKalb County | 38.6% | $562 | $1,456 |
| 55 | Dent County | 38.6% | $502 | $1,301 |
| 56 | Jackson County | 38.8% | $722 | $1,861 |
| 57 | Jasper County | 39.0% | $541 | $1,387 |
| 58 | Nodaway County | 39.0% | $564 | $1,446 |
| 59 | Pettis County | 39.1% | $553 | $1,415 |
| 60 | Adair County | 39.1% | $546 | $1,397 |
| 61 | Madison County | 39.2% | $536 | $1,368 |
| 62 | St. Francois County | 39.3% | $536 | $1,364 |
| 63 | St. Louis city | 39.3% | $641 | $1,629 |
| 64 | Caldwell County | 39.4% | $544 | $1,380 |
| 65 | Bollinger County | 39.4% | $495 | $1,255 |
| 66 | Ralls County | 39.5% | $534 | $1,352 |
| 67 | Daviess County | 39.5% | $519 | $1,316 |
| 68 | Buchanan County | 39.5% | $546 | $1,382 |
| 69 | Scott County | 39.5% | $502 | $1,269 |
| 70 | St. Clair County | 39.6% | $498 | $1,259 |
| 71 | McDonald County | 39.7% | $471 | $1,187 |
| 72 | Henry County | 39.7% | $539 | $1,359 |
| 73 | Monroe County | 39.8% | $519 | $1,306 |
| 74 | Marion County | 39.8% | $558 | $1,402 |
| 75 | Butler County | 40.0% | $495 | $1,236 |
| 76 | Stoddard County | 40.2% | $486 | $1,209 |
| 77 | Hickory County | 40.3% | $444 | $1,102 |
| 78 | Vernon County | 40.4% | $495 | $1,225 |
| 79 | Reynolds County | 40.6% | $437 | $1,078 |
| 80 | Texas County | 40.6% | $450 | $1,109 |
| 81 | Howard County | 40.6% | $531 | $1,307 |
| 82 | Barton County | 40.7% | $497 | $1,223 |
| 83 | Saline County | 40.8% | $513 | $1,258 |
| 84 | Randolph County | 40.8% | $521 | $1,279 |
| 85 | Scotland County | 40.8% | $519 | $1,273 |
| 86 | Oregon County | 41.1% | $438 | $1,067 |
| 87 | Livingston County | 41.3% | $520 | $1,258 |
| 88 | Pike County | 41.4% | $487 | $1,178 |
| 89 | Washington County | 41.4% | $446 | $1,078 |
| 90 | Wayne County | 41.6% | $429 | $1,033 |
| 91 | Ripley County | 41.8% | $425 | $1,017 |
| 92 | Macon County | 41.9% | $488 | $1,166 |
| 93 | Holt County | 42.0% | $473 | $1,126 |
| 94 | Lewis County | 42.2% | $463 | $1,098 |
| 95 | Chariton County | 42.3% | $465 | $1,100 |
| 96 | Iron County | 42.4% | $443 | $1,047 |
| 97 | Linn County | 42.5% | $463 | $1,089 |
| 98 | Audrain County | 42.6% | $482 | $1,132 |
| 99 | Schuyler County | 42.9% | $475 | $1,106 |
| 100 | Gentry County | 43.3% | $501 | $1,158 |
| 101 | Clark County | 43.5% | $483 | $1,111 |
| 102 | New Madrid County | 43.5% | $434 | $997 |
| 103 | Carroll County | 43.6% | $456 | $1,046 |
| 104 | Harrison County | 43.9% | $448 | $1,022 |
| 105 | Sullivan County | 43.9% | $432 | $984 |
| 106 | Putnam County | 44.2% | $472 | $1,068 |
| 107 | Grundy County | 44.9% | $465 | $1,036 |
| 108 | Mississippi County | 45.0% | $438 | $974 |
| 109 | Dunklin County | 45.0% | $410 | $911 |
| 110 | Knox County | 45.1% | $426 | $945 |
| 111 | Worth County | 45.4% | $420 | $925 |
| 112 | Mercer County | 46.0% | $434 | $942 |
| 113 | Pemiscot County | 46.2% | $440 | $952 |
| 114 | Atchison County | 46.3% | $463 | $1,001 |
| 115 | Shelby County | 47.1% | $410 | $870 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Missouri