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State

Data from November 2026

Housing , home prices, rents and assistance in Missouri (2026)

In Missouri, a typical home is worth $230,300 and the typical rent is $1,033 a month. The FHA limit for a one-unit home is $541,287 in every one of its counties. 18 HUD-approved counseling agencies serve Missouri; 4 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $136,500
  • $136,500–$160,100
  • $160,100–$176,100
  • $176,100–$219,100
  • $219,100 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$230,300
31% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,033
27% less than the U.S.
U.S.: $1,413
Typical household income
$70,702
12% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287
It is the same across Missouri.
U.S.: $541,287 to $1,299,500
Property tax
0.85%
of value a year
The typical bill is $1,948 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Missouri

In Missouri, a typical home is worth $230,300: 31% less than in the United States overall. Prices change a lot by county: from $96,600 in Worth County to $345,100 in Platte County. The typical household earns $70,702 a year and the typical rent is $1,033 a month; 46% of renter households spend 30% or more of their income on housing. 68% of households own their home, and the typical property tax is $1,948 a year (about 0.85% of value).

The conforming loan limit for a one-unit home is $832,750 across Missouri. To pay HUD’s fair rent for a 2-bedroom apartment in Missouri ($1,250) without spending more than 30% of income, you need about $24.04 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Missouri

More on property tax

  • Deadline to appeal the assessment to the county board of equalization

    If you disagree with the assessment of your property, you can appeal to your county board of equalization. The appeal is made in writing, on forms the county clerk provides, and is filed with the county clerk before the second Monday in July. The board may extend the time at its discretion.

    Missouri Revisor of Statutes (Revised Statutes of Missouri) · Verified October 24, 2026

  • Property Tax Credit ("circuit breaker") for seniors and people with disabilities

    The Missouri Property Tax Credit Claim, known as the "circuit breaker," gives certain seniors and 100 percent disabled people a credit for part of the real estate taxes or rent they paid for the year. The maximum is $750 for renters and $1,100 for owners who owned and lived in their home. The credit depends on the taxes or rent paid and total household income (taxable and nontaxable).

    Missouri Department of Revenue · Verified October 24, 2026

  • The constitution bars new taxes on the sale or transfer of real estate

    The Missouri Constitution, in a section adopted November 2, 2010, says that once the section took effect, the state, counties and other political subdivisions may not impose any new tax, including a sales tax, on the sale or transfer of homes or any other real estate.

    Missouri Revisor of Statutes (Missouri Constitution) · Verified October 24, 2026

The homes here

Housing in Missouri

What homes there are in Missouri, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 71% of homes here, against 61% in the U.S..

Year built

By age, homes in Missouri look like those in the U.S.: the typical year built is 1978.

In Missouri, 62% of homes have 3 bedrooms or more, about the same as in the U.S..

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The most common value range in Missouri is between $100K and $200K: that is where 26% of owner-occupied homes sit.

Monthly rent with utilities

The most common rent in Missouri is between $500 and $999 a month: that is where 39% of rented homes sit.

With a mortgage

$1,524 a month

United States: $1,963 a month

Without a mortgage

$546 a month

United States: $638 a month

Owners with a mortgage

60%

United States: 61%

The typical cost for an owner with a mortgage in Missouri is $1,524 a month, less than in the U.S. ($1,963); without one, $546.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Missouri gained value more slowly than in the U.S.: 47% since 2015–2019, against 53%.

The typical rent in Missouri rose 25% over the same time; in the U.S., it rose 33%.

To compare: typical income in Missouri rose 28%; the home, +47%; the rent, +25%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMissouriUnited States
Rental vacancy 5.0%5.5%
Homeowner vacancy 0.9%0.9%
More than one person per room 1.7%3.4%
People per household 2.402.53
Drive alone 75%69%
Carpool 8%9%
Public transit 1%3%
Walk or bike 2%3%
Work from home 13%15%
Other means 1%2%
Typical commute 20 to 29 minutes20 to 29 minutes

In Missouri, the rental vacancy rate is 5.0%, about the same as in the U.S..

More than one person per room: that is how 1.7% of households in Missouri live, less than in the U.S. (3.4%).

Households in Missouri are smaller: 2.40 people on average; in the U.S., 2.53.

In Missouri, 75% of workers drive alone to work; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Missouri

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Missouri

Start from the typical home value in Missouri, $230,300, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Missouri

$
%

Estimated monthly payment

$1,893

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Missouri rose 88% in the 10 years through 2025.

Price change each year

Period Missouri United States
In 2025 +3.7% +2.9%
5 years (2020–2025) +51% +47%
10 years (2015–2025) +88% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Missouri were 9% lower than the U.S. average. Housing rents were 31% lower than nationwide.

Category Missouri United States Versus the U.S.
All prices Consumer goods and services 90.8 100.0 9% less
Housing rents What renters pay 69.9 100.6 31% less
Water, power and gas Water, sewer, electricity and gas 79.4 98.4 19% less
Goods Food, clothing, transportation and more 96.3 99.6 3% less
Other services Services other than rent 95.2 100.1 5% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Missouri 1.6% of homes (40,540) are in a high-risk flood zone. Of those homes, 19% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Missouri United States
Homes in a high-risk zone 1.6% 3.5%
Of those, with NFIP insurance 19% 48%
All homes with NFIP insurance 0.4% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Missouri

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (127)

    Help to buy

    Assistance programs in Missouri

    Our list has 2 official programs that help you buy in Missouri. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. First Place Loan Program

      Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs. Offered by Missouri Housing Development Commission (MHDC).

      Type not stated Verified November 5, 2026

    2. Next Step Program

      Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years. Offered by Missouri Housing Development Commission (MHDC).

      Forgivable Verified November 5, 2026

    Tenant rights

    Tenant rights in Missouri

    Missouri law answers 4 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      In Missouri, a landlord cannot ask for or accept a security deposit of more than two months' rent.

      Mo. Rev. Stat. §535.300.1

    2. When must they return my deposit?

      Within 30 days after the tenancy ends, the landlord must return your full deposit. If the landlord keeps part or all of it, the landlord must give you a written itemized list of the damages, along with the rest of the deposit. Mailing the list and any money to your last known address counts.

      Mo. Rev. Stat. §535.300.3

    3. If I fall behind on rent, what notice must I get?

      In Missouri, the landlord can file a rent and possession case (eviction for nonpayment) when rent is due, the landlord has demanded it, and you have not paid. The one-month notice of section 441.060 is not needed for this case. This law sets no number of days between the demand for rent and the filing.

      Mo. Rev. Stat. §535.020

    4. How much notice ends a month-to-month rental?

      To end a month-to-month rental in Missouri, the landlord or the tenant must give the other a written notice. The tenancy ends on a rent due date at least one month after the other person receives the notice.

      Mo. Rev. Stat. §441.060.4(1)

    5. Are there limits on late fees?

      Data not available

    A father holds his baby and his young son by a white picket fence.

    Help and advice

    Who can help you in Missouri?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    18 HUD-approved counseling agencies serve Missouri; 4 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    123 public housing authorities run Section 8 vouchers and public housing in Missouri.

    See all 18 agencies See the housing agencies

    Who runs the help in Missouri

    • Missouri Housing Development Commission (MHDC)

      With the help of certified lenders, the Missouri Housing Development Commission (MHDC) offers two programs for homebuyers in Missouri, with affordable interest rates and down payment assistance. First Place gives down payment assistance to qualified first-time homebuyers and veterans. Next Step gives down payment assistance, with higher income limits, to first-time and repeat homebuyers.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Missouri

    • Where to file a housing discrimination complaint

      If you believe you were discriminated against and want the Missouri Commission on Human Rights (MCHR) to investigate, or want to sue in court, you need to file a complaint. Complaints under the Missouri Human Rights Act must be filed with the MCHR within 180 days of the alleged discrimination. Federal law allows one year to file housing discrimination complaints with the U.S. Department of Housing and Urban Development (HUD).

      Missouri Commission on Human Rights (MCHR) · Verified October 24, 2026

    • Help with insurance complaints or questions

      The Division of Consumer Affairs of the Missouri Department of Commerce and Insurance (DCI) provides consumer information and investigates complaints against insurance companies and producers (agents) for most types of insurance. It answers insurance questions and complaints, helps resolve complaints whenever possible and explains your options. You can file your complaint online in English or Spanish.

      Missouri Department of Commerce and Insurance (DCI) · Verified October 24, 2026

    • Missouri FAIR Plan: property insurance if you cannot get it in the regular market

      The Missouri Property Insurance Placement Facility, also known as the Missouri FAIR Plan, was set up in October 1969 to make property insurance available to applicants who have not been able to get it for insurable property through the normal insurance market. It is not meant to compete with private insurers; it is a last resort for basic property insurance.

      Missouri FAIR Plan (Missouri Property Insurance Placement Facility) · Verified October 24, 2026

    Guides

    Guides for you in Missouri

    We picked them with the numbers of Missouri. Each one says why it can help you.

    Frequently asked questions about housing in Missouri

    What is the FHA limit in Missouri in 2026?

    In Missouri, the FHA limit for a one-unit home is $541,287 in every one of its counties.

    How much does a typical home cost in Missouri?

    The typical home value in Missouri is $230,300 (Average 2020–2024, U.S. Census). The highest is in Platte County ($345,100) and the lowest in Worth County ($96,600).

    How much does it cost to rent in Missouri?

    The typical rent in Missouri is $1,033 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Missouri?

    At HUD's average fair market rent in Missouri ($1,250, Fiscal year 2027), about $24.04 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Missouri?

    The typical property tax in Missouri is $1,948 a year, about 0.85% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Missouri?

    There are 18 HUD-approved counseling agencies in Missouri; 4 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).