In Carthage, a typical home is worth $146,800 and typical rent is $975 a month. Compared with all of Jasper County, typical household income is 15% lower, the typical home value is 12% lower, and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $175,420 to $236,465.
Typical rent
$1,100a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Carthage is in Jasper 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 Jasper County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Neosho, the typical rent is $745: 24% less than in Carthage ($975).
2
The typical household income in Carthage is $51,328,15% less than in Jasper County as a whole ($60,694).
3
53% of households in Carthage own their home, against 63% in Jasper County.
4
Carthage has the 12th largest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (61%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Carthage
What homes there are in Carthage, 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
Carthage
Jasper County
Missouri
United States
Kind of home: Carthage and its comparisons
Measure
Carthage
Jasper County
Missouri
United States
Detached house
74%
75%
71%
61%
Attached house
Unreliable estimate
2%
4%
6%
Building of 2 to 4
12%
8%
8%
8%
Apartments (5 or more)
Unreliable estimate
10%
13%
19%
Mobile home
Unreliable estimate
5%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Jasper County, most homes in Carthage are detached houses (74%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Carthage
Jasper County
Missouri
United States
Year built: Carthage and its comparisons
Measure
Carthage
Jasper County
Missouri
United States
Before 1960
38%
25%
27%
26%
1960–1979
20%
20%
25%
24%
1980–1999
23%
23%
25%
25%
2000–2009
11%
16%
13%
14%
2010 or later
8%
17%
10%
11%
Homes in Carthage are older: the typical year built is 1973; in Jasper County, 1986.
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 $100K23%
$100K–$200K53%
$200K–$300K12%
$300K–$500K9%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Carthage and its comparisons
Measure
Carthage
Under $100K
23%
$100K–$200K
53%
$200K–$300K
12%
$300K–$500K
9%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
At least 98% of owner-occupied homes in Carthage are worth less than $500,000, below the FHA loan limit for Jasper County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50014%
$500–$99940%
$1,000–$1,49941%
HUD fair market rent, 2 bedrooms: $1,153
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Carthage and its comparisons
Measure
Carthage
Under $500
14%
$500–$999
40%
$1,000–$1,499
41%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
By rent, most homes in Carthage cost less than HUD's 2-bedroom fair market rent ($1,153): about 67%.
With a mortgage
$1,199 a month
Jasper County: $1,219 a month
Without a mortgage
$483 a month
Jasper County: $491 a month
Owners with a mortgage
63%
Jasper County: 60%
In Carthage, 63% of owners have a mortgage; their typical cost is $1,199 a month, about the same as in Jasper County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Carthage+66%
Jasper County+41%
Missouri+47%
United States+53%
Typical rent
Carthage+30%
Jasper County+25%
Missouri+25%
United States+33%
Typical household income
Carthage+25%
Jasper County+26%
Missouri+28%
United States+29%
Change since 2015–2019: Carthage and its comparisons
Measure
Carthage
Jasper County
Missouri
United States
Typical home value
+66%
+41%
+47%
+53%
Typical rent
+30%
+25%
+25%
+33%
Typical household income
+25%
+26%
+28%
+29%
The typical home value in Carthage rose 66% since 2015–2019, more than in Jasper County (41%).
Since 2015–2019, the typical rent in Carthage rose 30%, more than in Jasper County (25%).
Housing prices ran ahead of income in Carthage: typical income rose 25%, against +66% for home values and +30% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Carthage and its comparisons
Measure
Carthage
Jasper 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
2.2%
1.7%
3.4%
People per household
2.63
2.47
2.40
2.53
Drive alone
79%
80%
75%
69%
Carpool
11%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
7%
9%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Carthage are bigger: 2.63 people on average; in Jasper County, 2.47.
To get to work, 79% of workers in Carthage drive alone; in Jasper County, 80%.
Do the math
What would you pay each month for a home in Carthage?
A typical home is within reach of the typical income
We start with a typical home in Carthage, worth $146,800, 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 Carthage, which is $51,328 a year.
The calculator's FHA and conventional loan limits are those of all of Jasper 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 Carthage. 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 $5,138 (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
$1,194
at 7.18% · 30 years
Loan amount
$144,141
Total interest
$207,385
Paid off in
November 2056
Includes $2,479 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,198 a month
Your payment · 28%
Tight
$1,198 to $1,540 a month
Hard
more than $1,540 a month
Compared with the typical household income in Carthage ($51,328 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$976
Property tax
$92
Home insurance
$61
FHA mortgage insurance (MIP)
$65
You need at least $5,138 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 $1,194; principal and interest $976.
The city and its county
Carthage and Jasper County
Carthage is in Jasper 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).
Carthage
Map of Jasper County, Missouri, with Carthage marked. Around it, the neighboring counties.
Carthage
Jasper County
Other cities with a page
Carthage's own numbers
Typical home value
$146,800
Typical monthly rent
$975
Typical yearly household income
$51,328
Households that own their home
53%
Effective property tax rate
0.75%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jasper County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,153
Price change over 5 years (FHFA)
+56%
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 Jasper County.
A typical home in Carthage is worth $146,800: 12% below the county and 36% below Missouri. With the typical household income in Carthage ($51,328 a year), a typical home costs 2.9 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.
Carthage2.9 years
Jasper2.7 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jasper County
According to FHFA’s house price index, home prices in Jasper County rose 83% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jasper County.
Yearly change in FHFA’s price index in Jasper County, 2016 to 2025
2016: +2.3% +2.3% 2016
2017: +1.0% +1.0% 2017
2018: +4.9% +4.9% 2018
2019: +3.5% +3.5% 2019
2020: +4.3% +4.3% 2020
2021: +11.7% +11.7% 2021
2022: +18.7% +18.7% 2022
2023: +7.1% +7.1% 2023
2024: +6.1% +6.1% 2024
2025: +3.7% +3.7% 2025
Change in FHFA’s price index in Jasper County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+3.7%
+3.7%
+2.9%
5 years (2020–2025)
+56%
+51%
+47%
10 years (2015–2025)
+83%
+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
Carthage next to Jasper 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
Carthage$146,800
Jasper$166,900
Missouri$230,300
United States$332,700
Typical monthly rent
Carthage$975
Jasper$973
Missouri$1,033
United States$1,413
Typical yearly household income
Carthage$51,328
Jasper$60,694
Missouri$70,702
United States$80,734
See the full table
Carthage next to Jasper County and Missouri
Measure
Carthage
Jasper County
Missouri
U.S.
Typical home value
$146,800 ▼12% below the county
$166,900
$230,300
$332,700
Typical monthly rent
$975
$973
$1,033
$1,413
Typical yearly household income
$51,328 ▼15% below the county
$60,694
$70,702
$80,734
Households that own their home
53% ▼10 points below the county
63%
68%
65%
Typical yearly property tax
$1,095 ▼8% below the county
$1,196
$1,948
$3,119
Effective property tax rate
0.75% ▲0.03 points above the county
0.72%
0.85%
0.94%
Renters with high rent for their income
61% ▲12 points above the county
49%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jasper 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 Carthage
For a typical $146,800 home in Carthage, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carthage's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,194a month
Least cash to close
Down payment
$5,138
Cash to close
$9,542
Rate
7.18%
Mortgage insurance
FHA MIP · $65
Conventional, 5% down$1,167a month
Down payment
$7,340
Cash to close
$11,744
Rate
7.18%
Mortgage insurance
PMI · $70
Conventional, 20% down, no PMI$948a month
Down payment
$29,360
Cash to close
$33,764
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,084a month
Down payment
$22,020
Cash to close
$26,424
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Carthage
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,194
$5,138
$144,141
7.18%
FHA MIP · $65
$9,542
580
Conventional, 5% down
$1,167
$7,340
$139,460
7.18%
PMI · $70
$11,744
620*
Conventional, 20% down, no PMI
$948
$29,360
$117,440
7.18%
None
$33,764
620*
ITIN, 15% down (example)
$1,084
$22,020
$124,780
8.18%
None
$26,424
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 Carthage and for Jasper County.
Property tax
Effective rate in Carthage
0.75%of the home’s value each year
$1,095 a year for the typical owner in Carthage.
Carthage0.75%
Jasper0.72%
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 Carthage is $975 a month: about the same as the county. In Carthage, 61% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jasper County, by unit size. To pay the 2-bedroom one ($1,153 a month) without spending more than 30% of your income, you would need to earn $22.17 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 Jasper County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$904
$17.38
$36,160
1 bedroom
$910
$17.50
$36,400
2 bedrooms
$1,153
$22.17
$46,120
3 bedrooms
$1,501
$28.87
$60,040
4 bedrooms
$1,635
$31.44
$65,400
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 Carthage
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carthage is in ZIP code 64836.
For 2 bedrooms it is $1,180: $27 more than the fair market rent for Jasper County ($1,153).
Fair market rent by ZIP code and size in Carthage, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
64836
$930
$930
$1,180
$1,540
$1,670
ZIP code2 bd3 bd
64836 $1,180$1,540
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Carthage 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 Jasper 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 Carthage or Jasper County. The ones below are statewide in Missouri: they work in Carthage 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 Carthage or Jasper 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 Carthage and all of Jasper 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 Carthage?
The typical home value in Carthage is $146,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jasper County it is $166,900.
How much does it cost to rent in Carthage?
Typical rent in Carthage is $975 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jasper County is $1,153.
What is the FHA loan limit in Carthage?
Carthage uses the FHA limit for all of Jasper 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 Carthage?
The typical homeowner in Carthage pays $1,095 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Jasper County, the rate is 0.72%.
Where can I find free help to buy or rent in Carthage?
We found no HUD-approved counseling agencies with an office in Jasper County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
