City · 5,785 residents · Jefferson County, Missouri
Barnhart, Missouri
In Barnhart, a typical home is worth $229,200 and typical rent is $1,565 a month. Compared with all of Jefferson County, typical rent is 60% higher, typical household income is 16% higher, and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $227,520 to $285,666.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Barnhart 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 this place has that others do not, from public data, most unusual first.
1
The typical rent in Barnhart is $1,565 a month, 60% more than in Jefferson County as a whole ($979).
2
Nearby, in Pevely, the typical rent is $875: 44% less than in Barnhart ($1,565).
3
Barnhart has the 9th highest homeownership rate of the 142 cities in Missouri with more than 5,000 people (90%).
4
The typical household income in Barnhart is $95,811,16% more than in Jefferson County as a whole ($82,851).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Barnhart
What homes there are in Barnhart, 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
Barnhart
Jefferson County
Missouri
United States
Kind of home: Barnhart and its comparisons
Measure
Barnhart
Jefferson County
Missouri
United States
Detached house
98%
80%
71%
61%
Attached house
Unreliable estimate
2%
4%
6%
Building of 2 to 4
Unreliable estimate
3%
8%
8%
Apartments (5 or more)
Unreliable estimate
6%
13%
19%
Mobile home
Unreliable estimate
9%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Barnhart: 98% of homes, more than in Jefferson County (80%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Barnhart
Jefferson County
Missouri
United States
Year built: Barnhart and its comparisons
Measure
Barnhart
Jefferson County
Missouri
United States
Before 1960
5%
15%
27%
26%
1960–1979
51%
25%
25%
24%
1980–1999
32%
30%
25%
25%
2000–2009
Unreliable estimate
18%
13%
14%
2010 or later
Unreliable estimate
11%
10%
11%
In Barnhart, half of the homes were built before 1979; in Jefferson County, before 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K31%
$200K–$300K43%
$300K–$500K19%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Barnhart and its comparisons
Measure
Barnhart
Under $100K
Unreliable estimate
$100K–$200K
31%
$200K–$300K
43%
$300K–$500K
19%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Barnhart and its comparisons
Measure
Barnhart
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,389 a month
Jefferson County: $1,545 a month
Without a mortgage
$661 a month
Jefferson County: $523 a month
Owners with a mortgage
77%
Jefferson County: 66%
The typical cost for an owner with a mortgage in Barnhart is $1,389 a month, less than in Jefferson County ($1,545); without one, $661.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Barnhart+55%
Jefferson County+47%
Missouri+47%
United States+53%
Typical rent
Barnhart+51%
Jefferson County+15%
Missouri+25%
United States+33%
Typical household income
Barnhart+17%
Jefferson County+27%
Missouri+28%
United States+29%
Change since 2015–2019: Barnhart and its comparisons
Measure
Barnhart
Jefferson County
Missouri
United States
Typical home value
+55%
+47%
+47%
+53%
Typical rent
+51%
+15%
+25%
+33%
Typical household income
+17%
+27%
+28%
+29%
The typical home value in Barnhart rose 55% since 2015–2019, more than in Jefferson County (47%).
Rents in Barnhart rose faster than in Jefferson County: 51% since 2015–2019, against 15%.
Here income did not keep up with housing: it rose 17%, while home values changed +55% and rent +51%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Barnhart and its comparisons
Measure
Barnhart
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
2.65
2.58
2.40
2.53
Drive alone
86%
80%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
10%
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 Barnhart has 2.65 people on average, about the same as in Jefferson County (2.58).
To get to work, 86% of workers in Barnhart drive alone; in Jefferson County, 80%.
Do the math
What would you pay each month for a home in Barnhart?
A typical home is within reach of the typical income
We start with a typical home in Barnhart, worth $229,200, 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 Barnhart, which is $95,811 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 Barnhart. 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 $8,022 (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
$1,888
at 7.18% · 30 years
Loan amount
$225,049
Total interest
$323,792
Paid off in
November 2056
Includes $3,871 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,236 a month
Your payment · 24%
Tight
$2,236 to $2,874 a month
Hard
more than $2,874 a month
Compared with the typical household income in Barnhart ($95,811 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,525
Property tax
$166
Home insurance
$96
FHA mortgage insurance (MIP)
$101
You need at least $8,022 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 $1,888; principal and interest $1,525.
The city and its county
Barnhart and Jefferson County
Barnhart 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).
Barnhart
Map of Jefferson County, Missouri, with Barnhart marked. Around it, the neighboring counties.
Barnhart
Jefferson County
Other cities with a page
Barnhart's own numbers
Typical home value
$229,200
Typical monthly rent
$1,565
Typical yearly household income
$95,811
Households that own their home
90%
Effective property tax rate
0.87%
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 Barnhart is worth $229,200: 3% below the county and about the same as Missouri. With the typical household income in Barnhart ($95,811 a year), a typical home costs 2.4 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.
Barnhart2.4 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
Barnhart 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
Barnhart$229,200
Jefferson$237,200
Missouri$230,300
United States$332,700
Typical monthly rent
Barnhart$1,565
Jefferson$979
Missouri$1,033
United States$1,413
Typical yearly household income
Barnhart$95,811
Jefferson$82,851
Missouri$70,702
United States$80,734
See the full table
Barnhart next to Jefferson County and Missouri
Measure
Barnhart
Jefferson County
Missouri
U.S.
Typical home value
$229,200 ▼3% below the county
$237,200
$230,300
$332,700
Typical monthly rent
$1,565 ▲60% above the county
$979
$1,033
$1,413
Typical yearly household income
$95,811 ▲16% above the county
$82,851
$70,702
$80,734
Households that own their home
90% ▲7 points above the county
82%
68%
65%
Typical yearly property tax
$1,997 ▲5% above the county
$1,906
$1,948
$3,119
Effective property tax rate
0.87% ▲0.07 points above the county
0.8%
0.85%
0.94%
“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 Barnhart
For a typical $229,200 home in Barnhart, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Barnhart's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,888a month
Least cash to close
Down payment
$8,022
Cash to close
$14,898
Rate
7.18%
Mortgage insurance
FHA MIP · $101
Conventional, 5% down$1,846a month
Down payment
$11,460
Cash to close
$18,336
Rate
7.18%
Mortgage insurance
PMI · $109
Conventional, 20% down, no PMI$1,504a month
Down payment
$45,840
Cash to close
$52,716
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,716a month
Down payment
$34,380
Cash to close
$41,256
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Barnhart
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,888
$8,022
$225,049
7.18%
FHA MIP · $101
$14,898
580
Conventional, 5% down
$1,846
$11,460
$217,740
7.18%
PMI · $109
$18,336
620*
Conventional, 20% down, no PMI
$1,504
$45,840
$183,360
7.18%
None
$52,716
620*
ITIN, 15% down (example)
$1,716
$34,380
$194,820
8.18%
None
$41,256
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 Barnhart and for Jefferson County.
Property tax
Effective rate in Barnhart
0.87%of the home’s value each year
$1,997 a year for the typical owner in Barnhart.
Barnhart0.87%
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 Barnhart is $1,565 a month: 60% above the county.
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 Barnhart
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Barnhart is in ZIP code 63012.
For 2 bedrooms it is $1,640: $291 more than the fair market rent for Jefferson County ($1,349).
Fair market rent by ZIP code and size in Barnhart, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63012
$1,290
$1,340
$1,640
$2,100
$2,430
ZIP code2 bd3 bd
63012 $1,640$2,100
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Barnhart 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)
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 Barnhart or Jefferson County. The ones below are statewide in Missouri: they work in Barnhart 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 Barnhart 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 Barnhart 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 Barnhart?
The typical home value in Barnhart is $229,200, 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 Barnhart?
Typical rent in Barnhart is $1,565 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 Barnhart?
Barnhart 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 Barnhart?
The typical homeowner in Barnhart pays $1,997 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Jefferson County, the rate is 0.8%.
Where can I find free help to buy or rent in Barnhart?
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.
