In Boonville, a typical home is worth $187,900 and typical rent is $767 a month. Compared with all of Cooper County, typical household income is 20% lower, the typical home value is 8% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $158,573 to $198,042.
Typical rent
$800a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Boonville is in Cooper 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 Cooper County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Sedalia, the typical home value is $143,000: 24% less than in Boonville ($187,900).
2
63% of households in Boonville own their home, against 76% in Cooper County.
3
The typical household income in Boonville is $56,429,20% less than in Cooper County as a whole ($70,625).
4
Boonville has the 14th lowest typical rent of the 138 cities in Missouri with more than 5,000 people ($767).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Boonville
What homes there are in Boonville, 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
Boonville
Cooper County
Missouri
United States
Kind of home: Boonville and its comparisons
Measure
Boonville
Cooper County
Missouri
United States
Detached house
75%
82%
71%
61%
Attached house
4%
2%
4%
6%
Building of 2 to 4
12%
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
Unreliable estimate
6%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Boonville (75%), but less so than in Cooper County (82%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Boonville
Cooper County
Missouri
United States
Year built: Boonville and its comparisons
Measure
Boonville
Cooper County
Missouri
United States
Before 1960
44%
35%
27%
26%
1960–1979
28%
24%
25%
24%
1980–1999
16%
23%
25%
25%
2000–2009
10%
11%
13%
14%
2010 or later
Unreliable estimate
7%
10%
11%
In Boonville, half of the homes were built before 1965; in Cooper County, before 1974.
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 $100K13%
$100K–$200K40%
$200K–$300K37%
$300K–$500K9%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Boonville and its comparisons
Measure
Boonville
Under $100K
13%
$100K–$200K
40%
$200K–$300K
37%
$300K–$500K
9%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Boonville sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99969%
$1,000–$1,49921%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Boonville and its comparisons
Measure
Boonville
Under $500
Unreliable estimate
$500–$999
69%
$1,000–$1,499
21%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,172 a month
Cooper County: $1,269 a month
Without a mortgage
$496 a month
Cooper County: $512 a month
Owners with a mortgage
64%
Cooper County: 58%
In Boonville, 64% of owners have a mortgage, and their typical cost is $1,172 a month, against $1,269 in Cooper County. Without one it drops to $496.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Boonville+66%
Cooper County+53%
Missouri+47%
United States+53%
Typical rent
BoonvilleNo clear change
Cooper County+18%
Missouri+25%
United States+33%
Typical household income
BoonvilleNo clear change
Cooper County+34%
Missouri+28%
United States+29%
Change since 2015–2019: Boonville and its comparisons
Measure
Boonville
Cooper County
Missouri
United States
Typical home value
+66%
+53%
+47%
+53%
Typical rent
No clear change
+18%
+25%
+33%
Typical household income
No clear change
+34%
+28%
+29%
Since 2015–2019, homes in Boonville gained value faster than in Cooper County: 66% against 53%.
The typical rent in Boonville 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: Boonville and its comparisons
Measure
Boonville
Cooper 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
Unreliable estimate
1.7%
3.4%
People per household
2.39
2.49
2.40
2.53
Drive alone
79%
80%
75%
69%
Carpool
13%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
6%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Boonville look like those in Cooper County: 2.39 people on average.
To get to work, 79% of workers in Boonville drive alone; in Cooper County, 80%.
Do the math
What would you pay each month for a home in Boonville?
A typical home is tight for the typical income
We start with a typical home in Boonville, worth $187,900, 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 Boonville, which is $56,429 a year. For that payment to be 28% of income, a household would need to earn about $64,978 a year.
The calculator's FHA and conventional loan limits are those of all of Cooper 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 Boonville. 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 $6,577 (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
$1,516
at 7.18% · 30 years
Loan amount
$184,496
Total interest
$265,447
Paid off in
November 2056
Includes $3,173 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,317 a month
Tight
$1,317 to $1,693 a month
Your payment · 32%
Hard
more than $1,693 a month
Compared with the typical household income in Boonville ($56,429 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,250
Property tax
$105
Home insurance
$78
FHA mortgage insurance (MIP)
$83
You need at least $6,577 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 $1,516; principal and interest $1,250.
The city and its county
Boonville and Cooper County
Boonville is in Cooper 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).
Boonville
Map of Cooper County, Missouri, with Boonville marked. Around it, the neighboring counties.
Boonville
Cooper County
Other cities with a page
Boonville's own numbers
Typical home value
$187,900
Typical monthly rent
$767
Typical yearly household income
$56,429
Households that own their home
63%
Effective property tax rate
0.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cooper County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$962
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
1.6%
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 Cooper County.
A typical home in Boonville is worth $187,900: 8% below the county and 18% below Missouri. With the typical household income in Boonville ($56,429 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.
Boonville3.3 years
Cooper2.9 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cooper County
According to FHFA’s house price index, home prices in Cooper County rose 111% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cooper County.
Yearly change in FHFA’s price index in Cooper County, 2016 to 2025
2016: +7.3% +7.3% 2016
2017: +1.6% +1.6% 2017
2018: +4.8% +4.8% 2018
2019: +5.6% +5.6% 2019
2020: +3.1% +3.1% 2020
2021: +10.6% +10.6% 2021
2022: +15.5% +15.5% 2022
2023: +12.1% +12.1% 2023
2024: +7.5% +7.5% 2024
2025: +10.0% +10.0% 2025
Change in FHFA’s price index in Cooper County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+10.0%
+3.7%
+2.9%
5 years (2020–2025)
+69%
+51%
+47%
10 years (2015–2025)
+111%
+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
Boonville next to Cooper 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
Boonville$187,900
Cooper$203,500
Missouri$230,300
United States$332,700
Typical monthly rent
Boonville$767
Cooper$782
Missouri$1,033
United States$1,413
Typical yearly household income
Boonville$56,429
Cooper$70,625
Missouri$70,702
United States$80,734
See the full table
Boonville next to Cooper County and Missouri
Measure
Boonville
Cooper County
Missouri
U.S.
Typical home value
$187,900 ▼8% below the county
$203,500
$230,300
$332,700
Typical monthly rent
$767
$782
$1,033
$1,413
Typical yearly household income
$56,429 ▼20% below the county
$70,625
$70,702
$80,734
Households that own their home
63% ▼13 points below the county
76%
68%
65%
Typical yearly property tax
$1,265 ▼5% below the county
$1,334
$1,948
$3,119
Effective property tax rate
0.67% ▲0.01 points above the county
0.66%
0.85%
0.94%
Renters with high rent for their income
42% ▲5 points above the county
37%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cooper 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 Boonville
For a typical $187,900 home in Boonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Boonville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,516a month
Least cash to close
Down payment
$6,577
Cash to close
$12,214
Rate
7.18%
Mortgage insurance
FHA MIP · $83
Conventional, 5% down$1,482a month
Down payment
$9,395
Cash to close
$15,032
Rate
7.18%
Mortgage insurance
PMI · $89
Conventional, 20% down, no PMI$1,202a month
Down payment
$37,580
Cash to close
$43,217
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,375a month
Down payment
$28,185
Cash to close
$33,822
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Boonville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,516
$6,577
$184,497
7.18%
FHA MIP · $83
$12,214
580
Conventional, 5% down
$1,482
$9,395
$178,505
7.18%
PMI · $89
$15,032
620*
Conventional, 20% down, no PMI
$1,202
$37,580
$150,320
7.18%
None
$43,217
620*
ITIN, 15% down (example)
$1,375
$28,185
$159,715
8.18%
None
$33,822
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 Boonville and for Cooper County.
Property tax
Effective rate in Boonville
0.67%of the home’s value each year
$1,265 a year for the typical owner in Boonville.
Boonville0.67%
Cooper0.66%
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 Boonville is $767 a month: about the same as the county. In Boonville, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cooper County, by unit size. To pay the 2-bedroom one ($962 a month) without spending more than 30% of your income, you would need to earn $18.50 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 Cooper County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$695
$13.37
$27,800
1 bedroom
$735
$14.13
$29,400
2 bedrooms
$962
$18.50
$38,480
3 bedrooms
$1,278
$24.58
$51,120
4 bedrooms
$1,387
$26.67
$55,480
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 Boonville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Boonville is in ZIP code 65233.
For 2 bedrooms it is $970: $8 more than the fair market rent for Cooper County ($962).
Fair market rent by ZIP code and size in Boonville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
65233
$700
$740
$970
$1,290
$1,400
ZIP code2 bd3 bd
65233 $970$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Boonville 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 7 buildings with rents for lower incomes in Boonville. These are the largest.
Village Meadow Apartments100 Village Dr, Boonville 6523352 low-income homes · For older adults(660) 882-2020
Booneville908 High St, Boonville 6523350 low-income homes · Run by Housing Authority of the City of Boonville · Average payment: $423 a month · Average wait: 19 months · Homes at several sites(660) 882-7332
Rankin Mill Apts2250 Rankin Mill Ln, Boonville 6523348 low-income homes · 2 bd: 36 · 3 bd: 12 · In service since 2001
Village Meadow1400 Village Dr, Boonville 6523352 homes, 44 low-income · 1 bd: 52 · In service since 2018 · For older adults
Kemper Village Homes661 Katy Dr, Boonville 6523332 low-income homes · 3 bd: 32 · In service since 2012 · 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 Cooper 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 Boonville or Cooper County. The ones below are statewide in Missouri: they work in Boonville 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 Boonville or Cooper 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 Boonville and all of Cooper 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 Boonville?
The typical home value in Boonville is $187,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cooper County it is $203,500.
How much does it cost to rent in Boonville?
Typical rent in Boonville is $767 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cooper County is $962.
What is the FHA loan limit in Boonville?
Boonville uses the FHA limit for all of Cooper 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 Boonville?
The typical homeowner in Boonville pays $1,265 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Cooper County, the rate is 0.66%.
Where can I find free help to buy or rent in Boonville?
We found no HUD-approved counseling agencies with an office in Cooper County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
