City · 7,397 residents · Lawrence County, Missouri
Aurora, Missouri
In Aurora, a typical home is worth $124,400 and typical rent is $823 a month. Compared with all of Lawrence County, the typical home value is 29% lower, typical household income is 19% lower, and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $126,983 to $177,023.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Aurora is in Lawrence 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 Lawrence County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Aurora is worth $124,400,29% less than in Lawrence County as a whole ($175,100).
2
The typical household income in Aurora is $49,848,19% less than in Lawrence County as a whole ($61,215).
3
68% of households in Aurora own their home, against 74% in Lawrence County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Aurora
What homes there are in Aurora, 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
Aurora
Lawrence County
Missouri
United States
Kind of home: Aurora and its comparisons
Measure
Aurora
Lawrence County
Missouri
United States
Detached house
74%
79%
71%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
Unreliable estimate
10%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Aurora, 7 in 10 homes are single-family detached houses; in Lawrence County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Aurora
Lawrence County
Missouri
United States
Year built: Aurora and its comparisons
Measure
Aurora
Lawrence County
Missouri
United States
Before 1960
29%
27%
27%
26%
1960–1979
34%
24%
25%
24%
1980–1999
26%
24%
25%
25%
2000–2009
8%
17%
13%
14%
2010 or later
Unreliable estimate
8%
10%
11%
Homes in Aurora are older: the typical year built is 1973; in Lawrence County, 1979.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K41%
$100K–$200K37%
$200K–$300K19%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Aurora and its comparisons
Measure
Aurora
Under $100K
41%
$100K–$200K
37%
$200K–$300K
19%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99951%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Aurora and its comparisons
Measure
Aurora
Under $500
Unreliable estimate
$500–$999
51%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$991 a month
Lawrence County: $1,216 a month
Without a mortgage
$476 a month
Lawrence County: $438 a month
Owners with a mortgage
59%
Lawrence County: 56%
In Aurora, 59% of owners have a mortgage, and their typical cost is $991 a month, against $1,216 in Lawrence County. Without one it drops to $476.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Aurora+58%
Lawrence County+60%
Missouri+47%
United States+53%
Typical rent
AuroraNo clear change
Lawrence County+18%
Missouri+25%
United States+33%
Typical household income
Aurora+29%
Lawrence County+37%
Missouri+28%
United States+29%
Change since 2015–2019: Aurora and its comparisons
Measure
Aurora
Lawrence County
Missouri
United States
Typical home value
+58%
+60%
+47%
+53%
Typical rent
No clear change
+18%
+25%
+33%
Typical household income
+29%
+37%
+28%
+29%
Much as in Lawrence County, the typical home value in Aurora rose 58% since 2015–2019.
The typical rent in Aurora stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Aurora and its comparisons
Measure
Aurora
Lawrence County
Missouri
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
3.2%
1.7%
3.4%
People per household
2.49
2.60
2.40
2.53
Drive alone
78%
76%
75%
69%
Carpool
Unreliable estimate
11%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
10%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Aurora look like those in Lawrence County: 2.49 people on average.
In Aurora, 78% of workers drive alone to work; in Lawrence County, 76%.
Do the math
What would you pay each month for a home in Aurora?
A typical home is within reach of the typical income
We start with a typical home in Aurora, worth $124,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Aurora, which is $49,848 a year.
The calculator's FHA and conventional loan limits are those of all of Lawrence 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 Aurora. 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 $4,354 (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
$1,007
at 7.18% · 30 years
Loan amount
$122,147
Total interest
$175,741
Paid off in
November 2056
Includes $2,101 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,163 a month
Your payment · 24%
Tight
$1,163 to $1,495 a month
Hard
more than $1,495 a month
Compared with the typical household income in Aurora ($49,848 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$827
Property tax
$73
Home insurance
$52
FHA mortgage insurance (MIP)
$55
You need at least $4,354 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 $1,007; principal and interest $827.
The city and its county
Aurora and Lawrence County
Aurora is in Lawrence 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).
Aurora
Map of Lawrence County, Missouri, with Aurora marked. Around it, the neighboring counties.
Aurora
Lawrence County
Other cities with a page
Aurora's own numbers
Typical home value
$124,400
Typical monthly rent
$823
Typical yearly household income
$49,848
Households that own their home
68%
Effective property tax rate
0.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lawrence County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$976
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.5%
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 Lawrence County.
A typical home in Aurora is worth $124,400: 29% below the county and 46% below Missouri. With the typical household income in Aurora ($49,848 a year), a typical home costs 2.5 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.
Aurora2.5 years
Lawrence2.9 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lawrence County
According to FHFA’s house price index, home prices in Lawrence County rose 99% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lawrence County.
Yearly change in FHFA’s price index in Lawrence County, 2016 to 2025
2016: +7.3% +7.3% 2016
2017: +0.5% +0.5% 2017
2018: +8.6% +8.6% 2018
2019: +5.1% +5.1% 2019
2020: +5.2% +5.2% 2020
2021: +11.3% +11.3% 2021
2022: +19.8% +19.8% 2022
2023: +8.8% +8.8% 2023
2024: +4.5% +4.5% 2024
2025: +1.5% +1.5% 2025
Change in FHFA’s price index in Lawrence County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+1.5%
+3.7%
+2.9%
5 years (2020–2025)
+54%
+51%
+47%
10 years (2015–2025)
+99%
+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
Aurora next to Lawrence 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
Aurora$124,400
Lawrence$175,100
Missouri$230,300
United States$332,700
Typical monthly rent
Aurora$823
Lawrence$800
Missouri$1,033
United States$1,413
Typical yearly household income
Aurora$49,848
Lawrence$61,215
Missouri$70,702
United States$80,734
See the full table
Aurora next to Lawrence County and Missouri
Measure
Aurora
Lawrence County
Missouri
U.S.
Typical home value
$124,400 ▼29% below the county
$175,100
$230,300
$332,700
Typical monthly rent
$823 ▲3% above the county
$800
$1,033
$1,413
Typical yearly household income
$49,848 ▼19% below the county
$61,215
$70,702
$80,734
Households that own their home
68% ▼6 points below the county
74%
68%
65%
Typical yearly property tax
$867 ▼16% below the county
$1,032
$1,948
$3,119
Effective property tax rate
0.7% ▲0.11 points above the county
0.59%
0.85%
0.94%
Renters with high rent for their income
38% ▼6 points below the county
44%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lawrence 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 Aurora
For a typical $124,400 home in Aurora, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Aurora's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,007a month
Least cash to close
Down payment
$4,354
Cash to close
$8,086
Rate
7.18%
Mortgage insurance
FHA MIP · $55
Conventional, 5% down$984a month
Down payment
$6,220
Cash to close
$9,952
Rate
7.18%
Mortgage insurance
PMI · $59
Conventional, 20% down, no PMI$799a month
Down payment
$24,880
Cash to close
$28,612
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$914a month
Down payment
$18,660
Cash to close
$22,392
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Aurora
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,007
$4,354
$122,147
7.18%
FHA MIP · $55
$8,086
580
Conventional, 5% down
$984
$6,220
$118,180
7.18%
PMI · $59
$9,952
620*
Conventional, 20% down, no PMI
$799
$24,880
$99,520
7.18%
None
$28,612
620*
ITIN, 15% down (example)
$914
$18,660
$105,740
8.18%
None
$22,392
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 Aurora and for Lawrence County.
Property tax
Effective rate in Aurora
0.7%of the home’s value each year
$867 a year for the typical owner in Aurora.
Aurora0.7%
Lawrence0.59%
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 Aurora is $823 a month: 3% above the county. In Aurora, 38% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lawrence County, by unit size. To pay the 2-bedroom one ($976 a month) without spending more than 30% of your income, you would need to earn $18.77 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 Lawrence County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$719
$13.83
$28,760
1 bedroom
$746
$14.35
$29,840
2 bedrooms
$976
$18.77
$39,040
3 bedrooms
$1,292
$24.85
$51,680
4 bedrooms
$1,505
$28.94
$60,200
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 Aurora
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Aurora is in ZIP code 65605.
For 2 bedrooms it is $1,030: $54 more than the fair market rent for Lawrence County ($976).
Fair market rent by ZIP code and size in Aurora, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
65605
$770
$790
$1,030
$1,380
$1,590
ZIP code2 bd3 bd
65605 $1,030$1,380
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Aurora 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 Aurora. These are the largest.
Aloha & Oak Ridge111 W Springfield St, Aurora 6560566 homes, 64 low-income · Run by Aurora Housing Authority · Average payment: $452 a month · Average wait: 2 months · Homes at several sites(417) 678-5437
Allgeier Manor Apts501 W Hadley St, Aurora 6560548 low-income homes · 1 bd: 48 · In service since 2014 · For older adults(417) 678-5600
Aurora Family Apts1108 E Highland St, Aurora 6560536 low-income homes · 2 bd: 28 · 3 bd: 8 · In service since 1999
Brookside Terrace Estates1201 Countryside Ln, Aurora 6560524 low-income homes · In service since 2013 · For people with disabilities, families
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 Lawrence 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 Aurora or Lawrence County. The ones below are statewide in Missouri: they work in Aurora 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 Aurora or Lawrence 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 Aurora and all of Lawrence 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 Aurora?
The typical home value in Aurora is $124,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lawrence County it is $175,100.
How much does it cost to rent in Aurora?
Typical rent in Aurora is $823 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lawrence County is $976.
What is the FHA loan limit in Aurora?
Aurora uses the FHA limit for all of Lawrence 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 Aurora?
The typical homeowner in Aurora pays $867 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Lawrence County, the rate is 0.59%.
Where can I find free help to buy or rent in Aurora?
We found no HUD-approved counseling agencies with an office in Lawrence County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
