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% *
* Property tax shown is the Missouri state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Poplar Bluff.
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.
Three down payment scenarios for a $125K home using Missouri's 0.97% tax rate and $2,200/yr insurance.
5% Down
$1,104/mo
Down: $6,250
Loan: $119K
P&I: $751
Tax: $101
Insurance: $183
PMI: $69
10% Down
$1,061/mo
Down: $12,500
Loan: $113K
P&I: $711
Tax: $101
Insurance: $183
PMI: $66
20% Down (No PMI)
$916/mo
Down: $25,000
Loan: $100K
P&I: $632
Tax: $101
Insurance: $183
Income needed (28% rule): $39K/year with 20% down, $45K/year with 10% down.
Rent vs Buy in Poplar Bluff
Rent
$680/mo
vs
Buy (10% down)
$1,061/mo
Price-to-rent ratio: 15.3 — A ratio between 15-20 means the rent vs buy decision in Poplar Bluff depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
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.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Poplar Bluff.