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City · 5,326 residents · Pemiscot County, Missouri

Caruthersville , Missouri

In Caruthersville, a typical home is worth $107,700 and typical rent is $801 a month. Compared with all of Pemiscot County, typical rent is 15% higher, typical household income is 14% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $107,700

    11% above the county

    53% below Missouri

    • Caruthersville
    • Pemiscot
    • Missouri

  • Typical rent

    $801a month

    15% above the county

    22% below Missouri

    • Caruthersville
    • Pemiscot
    • Missouri

  • Typical household income

    $34,652a year

    14% below the county

    51% below Missouri

    • Caruthersville
    • Pemiscot
    • Missouri

  • Households that own their home

    48%

    8 points below the county

    21 points below Missouri

    • Caruthersville
    • Pemiscot
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$84,854
14.1% less than 12 months ago

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

Caruthersville is in Pemiscot 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 Pemiscot County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Caruthersville apart

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

  1. Caruthersville has the lowest typical household income of the 141 cities in Missouri with more than 5,000 people: $34,652.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Caruthersville fell 14.1%; in Missouri, it rose 3.4%.

  3. Caruthersville has the 7th lowest typical home value of the 142 cities in Missouri with more than 5,000 people ($107,700).

  4. Caruthersville has the 8th lowest homeownership rate of the 142 cities in Missouri with more than 5,000 people (48%).

  5. Nearby, in Kennett, the typical rent is $651: 19% less than in Caruthersville ($801).

  6. The typical rent in Caruthersville is $801 a month, 15% more than in Pemiscot County as a whole ($695).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Caruthersville

What homes there are in Caruthersville, 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

The detached house is still the most common home in Caruthersville, but it weighs less than in Pemiscot County: 70% against 74%.

Year built

The typical year built in Caruthersville is 1970, about the same as in Pemiscot County (1973).

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

By rent, most homes in Caruthersville cost less than HUD's 2-bedroom fair market rent ($962): about 74%.

With a mortgage

$1,539 a month

Pemiscot County: $1,211 a month

Without a mortgage

$424 a month

Pemiscot County: $448 a month

Owners with a mortgage

49%

Pemiscot County: 42%

Owning costs more in Caruthersville: with a mortgage, the typical cost is $1,539 a month; in Pemiscot County, $1,211. Without one, $424.

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

Since 2015–2019, home values in Caruthersville moved so little that the Census cannot say whether they rose or fell.

Rents in Caruthersville rose faster than in Pemiscot County: 31% since 2015–2019, against 13%.

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

MeasureCaruthersvillePemiscot CountyMissouriUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.7%3.4%
People per household 2.292.332.402.53
Drive alone 74%80%75%69%
Carpool 17%14%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate4%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Pemiscot County, a household in Caruthersville has 2.29 people on average.

In Caruthersville, 17% of workers share a car to get to work; in Pemiscot County, 14%.

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 Caruthersville?

A typical home is tight for the typical income

We start with a typical home in Caruthersville, worth $107,700, 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 Caruthersville, which is $34,652 a year. For that payment to be 28% of income, a household would need to earn about $39,052 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Caruthersville. 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 $3,770 (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

$911

at 7.18% · 30 years

Loan amount
$105,749
Total interest
$152,148
Paid off in
November 2056

Includes $1,819 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $809 a month

  • Tight

    $809 to $1,040 a month

    Your payment · 32%

  • Hard

    more than $1,040 a month

Compared with the typical household income in Caruthersville ($34,652 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$911
Principal & interest$716
Property tax$102
Home insurance$45
FHA mortgage insurance (MIP)$48

You need at least $3,770 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

Caruthersville and Pemiscot County

Caruthersville is in Pemiscot 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).

Caruthersville's own numbers

Typical home value
$107,700
Typical monthly rent
$801
Typical yearly household income
$34,652
Households that own their home
48%
Effective property tax rate
1.14%

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

Numbers for all of Pemiscot 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)
+31%

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 Pemiscot County.

Everything about Pemiscot County

Buying

Buying a home in Caruthersville

A typical home in Caruthersville is worth $107,700: 11% above the county and 53% below Missouri. With the typical household income in Caruthersville ($34,652 a year), a typical home costs 3.1 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.

  • Caruthersville 3.1 years
  • Pemiscot 2.4 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pemiscot County

According to FHFA’s house price index, home prices in Pemiscot County rose 46% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +11.2% +3.7% +2.9%
5 years (2020–2025) +31% +51% +47%
10 years (2015–2025) +46% +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

Caruthersville next to Pemiscot 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
  • Caruthersville $107,700
  • Pemiscot $97,000
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Caruthersville $801
  • Pemiscot $695
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Caruthersville $34,652
  • Pemiscot $40,089
  • Missouri $70,702
  • United States $80,734
See the full table
Caruthersville next to Pemiscot County and Missouri
Measure Caruthersville Pemiscot County Missouri U.S.
Typical home value $107,700 $97,000 $230,300 $332,700
Typical monthly rent $801 $695 $1,033 $1,413
Typical yearly household income $34,652 $40,089 $70,702 $80,734
Households that own their home 48% 56% 68% 65%
Typical yearly property tax $1,225 $925 $1,948 $3,119
Effective property tax rate 1.14% 0.95% 0.85% 0.94%
Renters with high rent for their income 62% 57% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pemiscot 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 Caruthersville

For a typical $107,700 home in Caruthersville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Caruthersville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $911a month

    Least cash to close
    Down payment
    $3,770
    Cash to close
    $7,001
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $48

  • Conventional, 5% down $891a month

    Down payment
    $5,385
    Cash to close
    $8,616
    Rate
    7.18%
    Mortgage insurance
    PMI · $51

  • Conventional, 20% down, no PMI $731a month

    Down payment
    $21,540
    Cash to close
    $24,771
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $830a month

    Down payment
    $16,155
    Cash to close
    $19,386
    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 Caruthersville and for Pemiscot County.

Property tax

Effective rate in Caruthersville

1.14%of the home’s value each year

$1,225 a year for the typical owner in Caruthersville.

  • Caruthersville 1.14%
  • Pemiscot 0.95%
  • 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 Pemiscot County

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

FEMA’s maps count no homes in the high-risk zone in Pemiscot County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Caruthersville

Typical rent in Caruthersville is $801 a month: 15% above the county. In Caruthersville, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pemiscot 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.

HUD fair market rent for all of Pemiscot 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 $709 $13.63 $28,360
1 bedroom $735 $14.13 $29,400
2 bedrooms $962 $18.50 $38,480
3 bedrooms $1,302 $25.04 $52,080
4 bedrooms $1,337 $25.71 $53,480

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 Caruthersville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Caruthersville is in ZIP code 63830.

For 2 bedrooms it is $1,000: $38 more than the fair market rent for Pemiscot County ($962).

  • 63830 $1,000$1,350

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Caruthersville 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?

Low-income apartments

Low-income apartments in Caruthersville

HUD lists 5 buildings with rents for lower incomes in Caruthersville. These are the largest.

  • Caruthersville 51 Walker Ter, Caruthersville 63830 184 low-income homes · Run by Housing Authority of the City of Caruthersville · Average payment: $250 a month · Average wait: 3 months · Homes at several sites (573) 333-4461
  • Caruthersville 903 Adams Ave, Caruthersville 63830 120 low-income homes · Run by Housing Authority of the City of Caruthersville · Average payment: $318 a month · Average wait: 4 months · Homes at several sites (573) 333-4461
  • Taven Apts 1008 Marlar, 600-611 RD, Caruthersville 63830 76 low-income homes · For families (573) 333-2775
  • Riverview Apartments 601 W 3rd St, Caruthersville 63830 40 low-income homes · For older adults (901) 285-7851
  • Charles J Lunderman Estates 1803 Compress St, Caruthersville 63830 12 homes

See all 14 buildings in Pemiscot County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Caruthersville

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Caruthersville

No down payment, repair or rent-help program on our list is for Caruthersville or Pemiscot County. The ones below are statewide in Missouri: they work in Caruthersville 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 Caruthersville

The HUD-approved agencies closest to the center of Caruthersville, 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 · 166 miles away

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

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

    1120 S 6th St, Saint Louis · 171 miles away

    • Reverse mortgage counseling
    (844) 432-6467

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

    1300 Hampton Avenue suite 101, Saint Louis · 172 miles away · Spanish

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

All counseling agencies in Missouri

Help in Spanish near Caruthersville

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 Caruthersville

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

  • Housing Authority of the City of Caruthersville Public housing (573) 333-4461

4 other authorities have an office in Pemiscot County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Caruthersville, with the typical home value.

Everything about Pemiscot County Housing in Missouri

Neighboring counties

If Pemiscot 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 Caruthersville.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Caruthersville

Short answers with the numbers for Caruthersville and all of Pemiscot 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 Caruthersville?

The typical home value in Caruthersville is $107,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pemiscot County it is $97,000.

How much does it cost to rent in Caruthersville?

Typical rent in Caruthersville is $801 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pemiscot County is $962.

What is the FHA loan limit in Caruthersville?

Caruthersville uses the FHA limit for all of Pemiscot 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 Caruthersville?

The typical homeowner in Caruthersville pays $1,225 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Pemiscot County, the rate is 0.95%.

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

We found no HUD-approved counseling agencies with an office in Pemiscot 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).