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Mortgage Calculator &
Closing Costs: Poplar Bluff, MO

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Poplar Bluff, Missouri.

Median Home Price
$125K
Population
17K
Avg Monthly Rent
$680
Property Tax Rate
0.97%
Poplar Bluff vs Missouri Median
The median home price in Poplar Bluff is $125,000, which is 47% below the Missouri state median of $235,000.

Mortgage Calculator — Poplar Bluff, MO

Pre-filled with Poplar Bluff median home price and Missouri tax/insurance rates. Adjust for your property.

$
$25,000
%
%
years
MO avg
%
$
Monthly Payment (PITI)
$916
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$632
per month
Taxes & Insurance
$284
per month
Total Interest Paid
$128K
over 30 years
Total Loan Cost
$228K
all payments
Payment Breakdown
Loan Amount$100,000
Principal & Interest$632
Property Taxes$101
Homeowners Insurance$183
Total Monthly PITI$916

Closing Costs — Poplar Bluff, MO

Estimated closing costs based on Missouri rates and fees applied to Poplar Bluff prices.

$
%
Missouri: Avg closing costs 0.9% of price. Transfer tax: 0%.
Estimated Closing Costs
$6,873
5.5% of purchase price
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Lender Fees
$1,325
origination, underwriting
Third-Party
$2,075
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,473
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$900
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$925
Recording Fee$150
Prepaid Taxes (3 mo)$303
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$301
Escrow Reserves$670
Total Closing Costs$6,873

Buying a Home in Poplar Bluff, Missouri

The median home price in Poplar Bluff is $125,000, 47% below the Missouri state median of $235,000. With a population of 17,023, Poplar Bluff is a smaller market where home prices tend to be more accessible than in many parts of Missouri.

Property taxes in Missouri average 0.97% annually. This moderate property tax rate means a $125,000 home in Poplar Bluff would carry roughly $101/month in property taxes. Homeowners insurance in Missouri runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Poplar Bluff is $680/month. The price-to-rent ratio in Poplar Bluff is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Poplar Bluff offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Missouri's MHDC First Place Loan program.

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