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City · 6,683 residents · St. Francois County, Missouri

Bonne Terre , Missouri

In Bonne Terre, a typical home is worth $153,000 and typical rent is $641 a month. Compared with all of St. Francois County, typical household income is 20% lower, typical rent is 19% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $153,000

    10% below the county

    34% below Missouri

    • Bonne Terre
    • St. Francois
    • Missouri

  • Typical rent

    $641a month

    19% below the county

    38% below Missouri

    • Bonne Terre
    • St. Francois
    • Missouri

  • Typical household income

    $46,179a year

    20% below the county

    35% below Missouri

    • Bonne Terre
    • St. Francois
    • Missouri

  • Households that own their home

    60%

    8 points below the county

    8 points below Missouri

    • Bonne Terre
    • St. Francois
    • Missouri

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$203,512
2.3% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bonne Terre is in St. Francois 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 St. Francois County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bonne Terre apart

What this place has that others do not, from public data, most unusual first.

  1. Bonne Terre has the lowest typical rent of the 138 cities in Missouri with more than 5,000 people: $641.

  2. Bonne Terre has the 8th lowest typical household income of the 141 cities in Missouri with more than 5,000 people ($46,179).

  3. 60% of households in Bonne Terre own their home, against 68% in St. Francois County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bonne Terre

What homes there are in Bonne Terre, 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

In Bonne Terre, 7 in 10 homes are single-family detached houses; in St. Francois County, 7.

Year built

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
Monthly rent with utilities

With a mortgage

$1,063 a month

St. Francois County: $1,197 a month

Without a mortgage

$403 a month

St. Francois County: $417 a month

Owners with a mortgage

73%

St. Francois County: 61%

In Bonne Terre, 73% of owners have a mortgage, and their typical cost is $1,063 a month, against $1,197 in St. Francois County. Without one it drops to $403.

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

The typical home value in Bonne Terre rose 71% since 2015–2019, more than in St. Francois County (40%).

Rent in Bonne Terre moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureBonne TerreSt. Francois CountyMissouriUnited States
Rental vacancy Unreliable estimate5.2%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.0%1.7%3.4%
People per household 2.462.482.402.53
Drive alone 74%80%75%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate8%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Bonne Terre look like those in St. Francois County: 2.46 people on average.

To get to work, 74% of workers in Bonne Terre drive alone; in St. Francois County, 80%.

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

Do the math

What would you pay each month for a home in Bonne Terre?

A typical home is tight for the typical income

We start with a typical home in Bonne Terre, worth $153,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Bonne Terre, which is $46,179 a year. For that payment to be 28% of income, a household would need to earn about $52,308 a year.

The calculator's FHA and conventional loan limits are those of all of St. Francois County.

Your numbers

Local data
$

Starts at the typical home value in Bonne Terre. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,355 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,221

at 7.18% · 30 years

Loan amount
$150,229
Total interest
$216,144
Paid off in
November 2056

Includes $2,584 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,078 a month

  • Tight

    $1,078 to $1,385 a month

    Your payment · 32%

  • Hard

    more than $1,385 a month

Compared with the typical household income in Bonne Terre ($46,179 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,221
Principal & interest$1,018
Property tax$71
Home insurance$64
FHA mortgage insurance (MIP)$68

You need at least $5,355 for the down payment, plus closing costs.

Next step

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.

The city and its county

Bonne Terre and St. Francois County

Bonne Terre is in St. Francois 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).

Bonne Terre's own numbers

Typical home value
$153,000
Typical monthly rent
$641
Typical yearly household income
$46,179
Households that own their home
60%
Effective property tax rate
0.56%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Francois County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$988
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
1.2%

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 St. Francois County.

Everything about St. Francois County

Buying

Buying a home in Bonne Terre

A typical home in Bonne Terre is worth $153,000: 10% below the county and 34% below Missouri. With the typical household income in Bonne Terre ($46,179 a year), a typical home costs 3.3 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.

  • Bonne Terre 3.3 years
  • St. Francois 2.9 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Francois County

According to FHFA’s house price index, home prices in St. Francois County rose 80% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Francois County.

Period County Missouri U.S.
Last year (2025) +3.7% +3.7% +2.9%
5 years (2020–2025) +48% +51% +47%
10 years (2015–2025) +80% +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

Bonne Terre next to St. Francois 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
  • Bonne Terre $153,000
  • St. Francois $169,300
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Bonne Terre $641
  • St. Francois $794
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Bonne Terre $46,179
  • St. Francois $57,477
  • Missouri $70,702
  • United States $80,734
See the full table
Bonne Terre next to St. Francois County and Missouri
Measure Bonne Terre St. Francois County Missouri U.S.
Typical home value $153,000 $169,300 $230,300 $332,700
Typical monthly rent $641 $794 $1,033 $1,413
Typical yearly household income $46,179 $57,477 $70,702 $80,734
Households that own their home 60% 68% 68% 65%
Typical yearly property tax $860 $1,188 $1,948 $3,119
Effective property tax rate 0.56% 0.7% 0.85% 0.94%
Renters with high rent for their income 49% 40% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Francois 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 Bonne Terre

For a typical $153,000 home in Bonne Terre, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bonne Terre's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,221a month

    Least cash to close
    Down payment
    $5,355
    Cash to close
    $9,945
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $68

  • Conventional, 5% down $1,192a month

    Down payment
    $7,650
    Cash to close
    $12,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $73

  • Conventional, 20% down, no PMI $964a month

    Down payment
    $30,600
    Cash to close
    $35,190
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,106a month

    Down payment
    $22,950
    Cash to close
    $27,540
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bonne Terre and for St. Francois County.

Property tax

Effective rate in Bonne Terre

0.56%of the home’s value each year

$860 a year for the typical owner in Bonne Terre.

  • Bonne Terre 0.56%
  • St. Francois 0.7%
  • Missouri 0.85%

What Missouri publishes Deadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))

Exemptions and deadlines in Missouri

Flood risk in St. Francois County

FEMA does not publish these numbers by city: they are for all of St. Francois County.

Homes in the high-risk zone
1.2%
301
Of those, with NFIP insurance
11%
County Missouri U.S.
Homes in the high-risk zone 1.2% 1.6% 3.5%
Of those, with NFIP insurance 11% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bonne Terre

Typical rent in Bonne Terre is $641 a month: 19% below the county. In Bonne Terre, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Francois County, by unit size. To pay the 2-bedroom one ($988 a month) without spending more than 30% of your income, you would need to earn $19.00 an hour working full time.

HUD fair market rent for all of St. Francois County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $750 $14.42 $30,000
1 bedroom $755 $14.52 $30,200
2 bedrooms $988 $19.00 $39,520
3 bedrooms $1,195 $22.98 $47,800
4 bedrooms $1,298 $24.96 $51,920

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 Bonne Terre

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bonne Terre is in ZIP code 63628.

For 2 bedrooms it is $960: $28 less than the fair market rent for St. Francois County ($988).

  • 63628 $960$1,160

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bonne Terre 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bonne Terre

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 St. Francois County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Bonne Terre

No down payment, repair or rent-help program on our list is for Bonne Terre or St. Francois County. The ones below are statewide in Missouri: they work in Bonne Terre the same as in the rest of the state.

Which programs do I qualify for? All programs in Missouri

  • First Place Loan Program

    Statewide in Missouri

    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

    See the program Official page

  • Next Step Program

    Statewide in Missouri

    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

    See the program Official page

Housing counselors near Bonne Terre

The HUD-approved agencies closest to the center of Bonne Terre, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Housing Partnership, Inc.

    729 Lemay Ferry Rd, Saint Louis · 45 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (314) 631-9905

  • NSC (naca Counseling Subsidiary) - ST. Louis, MO

    1300 Hampton Avenue suite 101, Saint Louis · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (314) 645-8333

  • Housing Options Provided for the Elderly (H.O.P.E)

    1120 S 6th St, Saint Louis · 52 miles away

    • Reverse mortgage counseling
    (844) 432-6467

All counseling agencies in Missouri

Help in Spanish near Bonne Terre

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bonne Terre

HUD’s record names them for Bonne Terre or St. Francois County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • ST. Francois County Public Housing Agency Section 8 vouchers (573) 431-5391

All housing agencies in Missouri Source: HUD

Cities

Other cities in St. Francois County

These cities are also in St. Francois County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Francois County Housing in Missouri

Nearby cities

The cities closest to Bonne Terre, with the typical home value.

Neighboring counties

If St. Francois County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bonne Terre.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Bonne Terre

Short answers with the numbers for Bonne Terre and all of St. Francois 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 Bonne Terre?

The typical home value in Bonne Terre is $153,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Francois County it is $169,300.

How much does it cost to rent in Bonne Terre?

Typical rent in Bonne Terre is $641 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Francois County is $988.

What is the FHA loan limit in Bonne Terre?

Bonne Terre uses the FHA limit for all of St. Francois 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 Bonne Terre?

The typical homeowner in Bonne Terre pays $860 a year, according to the U.S. Census Bureau. That is 0.56% of the home’s value; in St. Francois County, the rate is 0.7%.

Where can I find free help to buy or rent in Bonne Terre?

We found no HUD-approved counseling agencies with an office in St. Francois County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).