Local costs · Missouri

What it costs to own a home in St. Francois County, Missouri

The real property-tax rate, risk-adjusted insurance, and honest closing costs for St. Francois County — with the all-in monthly cost of a county-median-priced home and the income it takes to carry it comfortably.

The headline numbers

Property tax rate0.70%of home value per year · below the Missouri average 0.70% · national 0.92%
US Census, ACS 2024 5-year
Home insurance$1,530/yrrange $1,000–$2,220 at the St. Francois County median home value $169,300 · county risk-adjusted
Closing costs$3,700–$6,500buyer’s estimate on the $169,300 median home
All-in monthly$1,514/momedian home, 20% down, 6.67% 30-yr rate (as of 2026-08-13)
A household income of about $79,486 makes the $169,300 median home here comfortable by our math — housing under about 28% of take-home pay with room left over for everyday spending. How we compute this.

Run these numbers with your income →

The “median home” here is the St. Francois County median owner-occupied value ($169,300, US Census ACS B25077, ACS 2024 5-year). The all-in monthly uses the real-life basis: loan payment $871, property tax $99, insurance $128, maintenance $141 (1%/yr rule of thumb), and utilities $275 (a placeholder, not yet sourced). With 20% down there is no mortgage insurance.

Local risk flags

From the FEMA National Risk Index (December 2025). Covered perils show up as insurance-premium pressure; flood and earthquake are called out because a standard policy excludes them.

Elevated wind risk here can nudge premiums above the state average.

Closing costs, in detail

Missouri charges no state transfer or recording tax on a home purchase.

Transfer & recording tax
On the $169,300 median home, the buyer’s customary share is about $0. Only the buyer’s share is counted in the closing-cost estimate above.
Title insurance & settlement
Missouri uses competitive (filed) rates. Estimated $1,284–$1,737 on this home. Modeled title insurance + settlement (national declining-rate curve, ~0.89% of price at this level). Not a state-promulgated rate.
Lender and origination
$677–$1,354. Modeled as 0.5-1.0% of loan amount.
Appraisal, inspection, and reports
$900–$1,800. Flat buyer-paid diligence estimate.
Prepaids and escrow
$779–$1,232. Initial escrow deposit for taxes and insurance.

Frequently asked

What is the property tax rate in St. Francois County, MO?
The effective property tax rate in St. Francois County is 0.70% of home value per year (US Census, ACS 2024 5-year). That is about the same as the Missouri average of 0.70% and lower than the national average of 0.92%.
How much is homeowners insurance in St. Francois County?
A typical homeowners policy runs about $1,530 per year (range $1,000–$2,220) at the St. Francois County median home value of $169,300. This is a county-adjusted estimate scaled from the NAIC state average; a real quote depends on the home and coverage.
What are typical closing costs on a $169,300 home in St. Francois County?
Estimated buyer closing costs run about $3,740–$6,523 on a $169,300 home — lender fees, title and settlement, the buyer's customary share of transfer and recording taxes, and prepaid taxes and insurance.
What income do you need to afford the median home in St. Francois County?
A household income of about $79,486 per year makes the $169,300 median home here comfortable by our math — housing under about 28% of take-home pay with room left for everyday spending, assuming 20% down at this week's 6.67% 30-year rate.
What is the all-in monthly cost of the median home in St. Francois County?
About $1,514 per month for the $169,300 median home with 20% down at 6.67% — the loan payment, property tax, home insurance, maintenance, and an estimated utilities figure.

Run your own numbers

These figures use the area median and a 20%-down example. Put in your own price, down payment, income, and debts to see whether it’s comfortable for you.

Open the calculator for St. Francois County

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Sources & vintages

  • Property tax: US Census American Community Survey, county effective rate (ACS 2024 5-year).
  • Home insurance: NAIC state average premium (2022 · FEMA NRI December 2025), scaled by FEMA National Risk Index covered-peril risk; range modeled.
  • Median home value: US Census ACS B25077, St. Francois County median owner-occupied value (ACS 2024 5-year).
  • Mortgage rate: Freddie Mac 30-year fixed weekly average via FRED, as of 2026-08-13.
  • Transfer taxes & title: researched state/local schedules. The everyday-spending baseline ships from the BLS Consumer Expenditure Survey (2024), income-scaled; utilities is the one remaining labeled placeholder.

Estimates, not advice, and not a Loan Estimate. Every number is computed from public data or our own math — see the methodology for how, and where the honest gaps are.