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St. Louis Mortgage Calculator

Estimate your true cost of homeownership in St. Louis with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,231
P&I Payment$720
Taxes & Ins$207
Utilities$305
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Mortgage Details

$136,136
Local Median: $136,136
$27,227 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,231

Monthly Breakdown

Principal & Interest
$720
Property Taxes
$138
Homeowners Ins.
$69
Utilities
$305

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$150,202

Local Housing Facts for St. Louis

  • ·Median home value: $136,136 (adjusted for current market conditions)
  • ·Est. property taxes: $1,660/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $823/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,656/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in St. Louis?

Based on the local median home value, estimated real estate property taxes in St. Louis are around $1,660 per year.

What is the average home price in St. Louis?

The median home value in St. Louis is currently estimated at $136,136.

How much does homeowners insurance cost in St. Louis?

For a median priced home, homeowners insurance in St. Louis averages around $823 annually.

What is the true total cost of owning a home in St. Louis?

True homeownership costs go beyond principal and interest. In St. Louis, a typical homeowner with a median-priced home of $136,136 can expect to pay roughly $1,660/yr in property taxes, $823/yr for homeowners insurance, and $3,656/yr in energy utilities. That adds approximately $512 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.