City · 20,956 residents · Jefferson County, Missouri
Arnold, Missouri
In Arnold, a typical home is worth $220,000 and typical rent is $1,112 a month. Compared with all of Jefferson County, typical rent is 14% higher and the typical home value is 7% lower.
Typical home value from Zillow, September 2021 to September 2026: from $218,895 to $272,801.
Typical rent
$1,807a month
Typical rent from Zillow, March 2026 to September 2026: from $1,661 to $1,807.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Arnold is in Jefferson County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Jefferson County. See the county
What homes there are in Arnold, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Arnold
Jefferson County
Missouri
United States
Kind of home: Arnold and its comparisons
Measure
Arnold
Jefferson County
Missouri
United States
Detached house
79%
80%
71%
61%
Attached house
6%
2%
4%
6%
Building of 2 to 4
4%
3%
8%
8%
Apartments (5 or more)
Unreliable estimate
6%
13%
19%
Mobile home
4%
9%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Arnold, 8 in 10 homes are single-family detached houses, about the same as in Jefferson County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Arnold
Jefferson County
Missouri
United States
Year built: Arnold and its comparisons
Measure
Arnold
Jefferson County
Missouri
United States
Before 1960
15%
15%
27%
26%
1960–1979
39%
25%
25%
24%
1980–1999
30%
30%
25%
25%
2000–2009
10%
18%
13%
14%
2010 or later
6%
11%
10%
11%
Homes in Arnold are older: the typical year built is 1977; in Jefferson County, 1987.
In Arnold, 73% of homes have 3 bedrooms or more, about the same as in Jefferson County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K7%
$100K–$200K34%
$200K–$300K37%
$300K–$500K21%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Arnold and its comparisons
Measure
Arnold
Under $100K
7%
$100K–$200K
34%
$200K–$300K
37%
$300K–$500K
21%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Arnold sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99934%
$1,000–$1,49952%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Arnold and its comparisons
Measure
Arnold
Under $500
Unreliable estimate
$500–$999
34%
$1,000–$1,499
52%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,495 a month
Jefferson County: $1,545 a month
Without a mortgage
$522 a month
Jefferson County: $523 a month
Owners with a mortgage
65%
Jefferson County: 66%
Owning costs about the same in Arnold as in Jefferson County: with a mortgage, $1,495 a month; without one, $522.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Arnold+40%
Jefferson County+47%
Missouri+47%
United States+53%
Typical rent
Arnold+16%
Jefferson County+15%
Missouri+25%
United States+33%
Typical household income
Arnold+18%
Jefferson County+27%
Missouri+28%
United States+29%
Change since 2015–2019: Arnold and its comparisons
Measure
Arnold
Jefferson County
Missouri
United States
Typical home value
+40%
+47%
+47%
+53%
Typical rent
+16%
+15%
+25%
+33%
Typical household income
+18%
+27%
+28%
+29%
Homes in Arnold gained value more slowly than in Jefferson County: 40% since 2015–2019, against 47%.
Much as in Jefferson County, the typical rent in Arnold rose 16% since 2015–2019.
To compare: typical income in Arnold rose 18%; the home, +40%; the rent, +16%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Arnold and its comparisons
Measure
Arnold
Jefferson County
Missouri
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.9%
0.9%
More than one person per room
Unreliable estimate
1.1%
1.7%
3.4%
People per household
2.49
2.58
2.40
2.53
Drive alone
85%
80%
75%
69%
Carpool
6%
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
8%
12%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
A household in Arnold has 2.49 people on average, about the same as in Jefferson County (2.58).
To get to work, 85% of workers in Arnold drive alone; in Jefferson County, 80%.
Do the math
What would you pay each month for a home in Arnold?
A typical home is within reach of the typical income
We start with a typical home in Arnold, worth $220,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Arnold, which is $78,370 a year.
The calculator's FHA and conventional loan limits are those of all of Jefferson County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Arnold. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,700 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,797
at 7.18% · 30 years
Loan amount
$216,015
Total interest
$310,795
Paid off in
November 2056
Includes $3,715 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,829 a month
Your payment · 28%
Tight
$1,829 to $2,351 a month
Hard
more than $2,351 a month
Compared with the typical household income in Arnold ($78,370 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,463
Property tax
$145
Home insurance
$92
FHA mortgage insurance (MIP)
$97
You need at least $7,700 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,797; principal and interest $1,463.
The city and its county
Arnold and Jefferson County
Arnold is in Jefferson County, Missouri. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Arnold
Map of Jefferson County, Missouri, with Arnold marked. Around it, the neighboring counties.
Arnold
Jefferson County
Other cities with a page
Arnold's own numbers
Typical home value
$220,000
Typical monthly rent
$1,112
Typical yearly household income
$78,370
Households that own their home
80%
Effective property tax rate
0.79%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jefferson County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Jefferson County.
A typical home in Arnold is worth $220,000: 7% below the county and 4% below Missouri. With the typical household income in Arnold ($78,370 a year), a typical home costs 2.8 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Arnold2.8 years
Jefferson2.9 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jefferson County
According to FHFA’s house price index, home prices in Jefferson County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jefferson County.
Yearly change in FHFA’s price index in Jefferson County, 2016 to 2025
2016: +4.0% +4.0% 2016
2017: +4.3% +4.3% 2017
2018: +3.6% +3.6% 2018
2019: +5.8% +5.8% 2019
2020: +3.1% +3.1% 2020
2021: +10.1% +10.1% 2021
2022: +11.1% +11.1% 2022
2023: +8.9% +8.9% 2023
2024: +7.1% +7.1% 2024
2025: +4.0% +4.0% 2025
Change in FHFA’s price index in Jefferson County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+4.0%
+3.7%
+2.9%
5 years (2020–2025)
+48%
+51%
+47%
10 years (2015–2025)
+82%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Arnold next to Jefferson County, Missouri and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Arnold$220,000
Jefferson$237,200
Missouri$230,300
United States$332,700
Typical monthly rent
Arnold$1,112
Jefferson$979
Missouri$1,033
United States$1,413
Typical yearly household income
Arnold$78,370
Jefferson$82,851
Missouri$70,702
United States$80,734
See the full table
Arnold next to Jefferson County and Missouri
Measure
Arnold
Jefferson County
Missouri
U.S.
Typical home value
$220,000 ▼7% below the county
$237,200
$230,300
$332,700
Typical monthly rent
$1,112 ▲14% above the county
$979
$1,033
$1,413
Typical yearly household income
$78,370 ▼5% below the county
$82,851
$70,702
$80,734
Households that own their home
80% ▼2 points below the county
82%
68%
65%
Typical yearly property tax
$1,729 ▼9% below the county
$1,906
$1,948
$3,119
Effective property tax rate
0.79% ▼0.01 points below the county
0.8%
0.85%
0.94%
Renters with high rent for their income
36% ▼3 points below the county
39%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Arnold
For a typical $220,000 home in Arnold, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Arnold's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,797a month
Least cash to close
Down payment
$7,700
Cash to close
$14,300
Rate
7.18%
Mortgage insurance
FHA MIP · $97
Conventional, 5% down$1,757a month
Down payment
$11,000
Cash to close
$17,600
Rate
7.18%
Mortgage insurance
PMI · $105
Conventional, 20% down, no PMI$1,429a month
Down payment
$44,000
Cash to close
$50,600
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,632a month
Down payment
$33,000
Cash to close
$39,600
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Arnold
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,797
$7,700
$216,015
7.18%
FHA MIP · $97
$14,300
580
Conventional, 5% down
$1,757
$11,000
$209,000
7.18%
PMI · $105
$17,600
620*
Conventional, 20% down, no PMI
$1,429
$44,000
$176,000
7.18%
None
$50,600
620*
ITIN, 15% down (example)
$1,632
$33,000
$187,000
8.18%
None
$39,600
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Arnold and for Jefferson County.
Property tax
Effective rate in Arnold
0.79%of the home’s value each year
$1,729 a year for the typical owner in Arnold.
Arnold0.79%
Jefferson0.8%
Missouri0.85%
What Missouri publishesDeadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))
Typical rent in Arnold is $1,112 a month: 14% above the county. In Arnold, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Jefferson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,064
$20.46
$42,560
1 bedroom
$1,104
$21.23
$44,160
2 bedrooms
$1,349
$25.94
$53,960
3 bedrooms
$1,731
$33.29
$69,240
4 bedrooms
$1,997
$38.40
$79,880
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Arnold
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Arnold is in ZIP code 63010.
For 2 bedrooms it is $1,310: $39 less than the fair market rent for Jefferson County ($1,349).
Fair market rent by ZIP code and size in Arnold, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63010
$1,030
$1,070
$1,310
$1,680
$1,940
ZIP code2 bd3 bd
63010 $1,310$1,680
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Arnold when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Arnold. These are the largest.
Water Crest Villas1803 Big Bill Rd, Arnold 6301050 low-income homes · 2 bd: 50 · In service since 2012 · For older adults, people with disabilities
Richardson Ridge Villas3509 Saint Johns Church Rd, Arnold 6301048 low-income homes · 2 bd: 48 · In service since 2014 · For older adults, people with disabilities
Wildwood Apts2025 Sierra Pkwy, Arnold 6301048 low-income homes · 2 bd: 32 · 3 bd: 16 · In service since 2000
Highland House Villas2903 Highland House Villas Ct, Arnold 6301040 low-income homes · 3 bd: 40 · In service since 1991
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Jefferson County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Arnold or Jefferson County. The ones below are statewide in Missouri: they work in Arnold the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Arnold or Jefferson County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Arnold and all of Jefferson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Arnold?
The typical home value in Arnold is $220,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $237,200.
How much does it cost to rent in Arnold?
Typical rent in Arnold is $1,112 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,349.
What is the FHA loan limit in Arnold?
Arnold uses the FHA limit for all of Jefferson County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Arnold?
The typical homeowner in Arnold pays $1,729 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Jefferson County, the rate is 0.8%.
Where can I find free help to buy or rent in Arnold?
We found no HUD-approved counseling agencies with an office in Jefferson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
