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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
$1,697
P&I Payment$1,247
Taxes & Ins$261
Utilities$189
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Mortgage Details

$234,971
Local Median: $234,971
$46,994 (20%)
%

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

Local Area Costs

Monthly$1,697

Monthly Breakdown

Principal & Interest
$1,247
Property Taxes
$179
Homeowners Ins.
$81
Utilities
$189

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$260,973

Local Housing Facts for St. Louis

  • ·Median home value: $234,971 (adjusted for current market conditions)
  • ·Est. property taxes: $2,152/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $974/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,268/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 City?

Based on the local median home value, estimated real estate property taxes in St. Louis City are around $2,152 per year.

What is the average home price in St. Louis City?

The median home value in St. Louis City is currently estimated at $234,971.

How much does homeowners insurance cost in St. Louis City?

For a median priced home, homeowners insurance in St. Louis City averages around $974 annually.

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

True homeownership costs go beyond principal and interest. In St. Louis City, a typical homeowner with a median-priced home of $234,971 can expect to pay roughly $2,152/yr in property taxes, $974/yr for homeowners insurance, and $2,268/yr in energy utilities. That adds approximately $450 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.