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City · 8,923 residents · Livingston County, Missouri

Chillicothe , Missouri

In Chillicothe, a typical home is worth $127,000 and typical rent is $782 a month. Compared with all of Livingston County, typical household income is 14% lower, the typical home value is 14% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $127,000

    14% below the county

    45% below Missouri

    • Chillicothe
    • Livingston
    • Missouri

  • Typical rent

    $782a month

    About the same as the county

    24% below Missouri

    • Chillicothe
    • Livingston
    • Missouri

  • Typical household income

    $54,493a year

    14% below the county

    23% below Missouri

    • Chillicothe
    • Livingston
    • Missouri

  • Households that own their home

    63%

    9 points below the county

    5 points below Missouri

    • Chillicothe
    • Livingston
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$188,015
0.6% more than 12 months ago

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

Chillicothe is in Livingston 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 Livingston County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chillicothe apart

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

  1. Nearby, in Trenton, the typical home value is $99,500: 22% less than in Chillicothe ($127,000).

  2. 63% of households in Chillicothe own their home, against 72% in Livingston County.

  3. Chillicothe has the 14th lowest typical home value of the 142 cities in Missouri with more than 5,000 people ($127,000).

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

The homes here

Housing in Chillicothe

What homes there are in Chillicothe, 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 Chillicothe, but it weighs less than in Livingston County: 78% against 82%.

Year built

Homes in Chillicothe are older: the typical year built is 1962; in Livingston County, 1968.

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

HUD's 2-bedroom fair market rent (FMR) for Livingston County is $962; about 73% of rents in Chillicothe are below it.

With a mortgage

$941 a month

Livingston County: $1,128 a month

Without a mortgage

$467 a month

Livingston County: $478 a month

Owners with a mortgage

45%

Livingston County: 46%

Owning costs less in Chillicothe: with a mortgage, the typical cost is $941 a month; in Livingston County, $1,128. Without one, $467.

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, homes in Chillicothe gained value faster than in Livingston County: 39% against 33%.

Rents in Chillicothe rose at about the same pace as in Livingston County: 15% since 2015–2019, against 15%.

While home values in Chillicothe changed +39% and rent +15%, the typical household income rose 34%.

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

MeasureChillicotheLivingston 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 2.232.322.402.53
Drive alone 87%84%75%69%
Carpool 6%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate6%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Chillicothe has 2.23 people on average, about the same as in Livingston County (2.32).

To get to work, 87% of workers in Chillicothe drive alone; in Livingston County, 84%.

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 Chillicothe?

A typical home is within reach of the typical income

We start with a typical home in Chillicothe, worth $127,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Chillicothe, which is $54,493 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Chillicothe. 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 $4,445 (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

$1,034

at 7.18% · 30 years

Loan amount
$124,700
Total interest
$179,414
Paid off in
November 2056

Includes $2,145 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,272 a month

    Your payment · 23%

  • Tight

    $1,272 to $1,635 a month

  • Hard

    more than $1,635 a month

Compared with the typical household income in Chillicothe ($54,493 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,034
Principal & interest$845
Property tax$80
Home insurance$53
FHA mortgage insurance (MIP)$56

You need at least $4,445 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

Chillicothe and Livingston County

Chillicothe is in Livingston 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).

Chillicothe's own numbers

Typical home value
$127,000
Typical monthly rent
$782
Typical yearly household income
$54,493
Households that own their home
63%
Effective property tax rate
0.76%

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

Numbers for all of Livingston 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)
+45%
Homes in a high flood-risk zone
0.7%

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 Livingston County.

Everything about Livingston County

Buying

Buying a home in Chillicothe

A typical home in Chillicothe is worth $127,000: 14% below the county and 45% below Missouri. With the typical household income in Chillicothe ($54,493 a year), a typical home costs 2.3 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.

  • Chillicothe 2.3 years
  • Livingston 2.3 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Livingston County

According to FHFA’s house price index, home prices in Livingston County rose 66% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) −2.9% +3.7% +2.9%
5 years (2020–2025) +45% +51% +47%
10 years (2015–2025) +66% +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

Chillicothe next to Livingston 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
  • Chillicothe $127,000
  • Livingston $147,700
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Chillicothe $782
  • Livingston $768
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Chillicothe $54,493
  • Livingston $63,627
  • Missouri $70,702
  • United States $80,734
See the full table
Chillicothe next to Livingston County and Missouri
Measure Chillicothe Livingston County Missouri U.S.
Typical home value $127,000 $147,700 $230,300 $332,700
Typical monthly rent $782 $768 $1,033 $1,413
Typical yearly household income $54,493 $63,627 $70,702 $80,734
Households that own their home 63% 72% 68% 65%
Typical yearly property tax $967 $1,202 $1,948 $3,119
Effective property tax rate 0.76% 0.81% 0.85% 0.94%
Renters with high rent for their income 37% 33% 46% 51%

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

For a typical $127,000 home in Chillicothe, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chillicothe's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,034a month

    Least cash to close
    Down payment
    $4,445
    Cash to close
    $8,255
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $56

  • Conventional, 5% down $1,011a month

    Down payment
    $6,350
    Cash to close
    $10,160
    Rate
    7.18%
    Mortgage insurance
    PMI · $60

  • Conventional, 20% down, no PMI $822a month

    Down payment
    $25,400
    Cash to close
    $29,210
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $939a month

    Down payment
    $19,050
    Cash to close
    $22,860
    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 Chillicothe and for Livingston County.

Property tax

Effective rate in Chillicothe

0.76%of the home’s value each year

$967 a year for the typical owner in Chillicothe.

  • Chillicothe 0.76%
  • Livingston 0.81%
  • 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 Livingston County

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

Homes in the high-risk zone
0.7%
53
Of those, with NFIP insurance
—
County Missouri U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chillicothe

Typical rent in Chillicothe is $782 a month: about the same as the county. In Chillicothe, 37% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Livingston 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 Livingston 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 $1,230 $23.65 $49,200
4 bedrooms $1,608 $30.92 $64,320

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 Chillicothe

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chillicothe is in ZIP code 64601.

For 2 bedrooms it is $970: $8 more than the fair market rent for Livingston County ($962).

  • 64601 $970$1,240

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

HUD lists 8 buildings with rents for lower incomes in Chillicothe. These are the largest.

  • Parkview Heights 1717 Hickory Dr, Chillicothe 64601 100 low-income homes · Run by Chillicothe Housing Authority · Average payment: $465 a month · Average wait: 5 months (660) 646-3215
  • Shawnee Place 205 Park Ln, Chillicothe 64601 48 homes, 47 low-income · 1 bd: 48 · In service since 2015 · For families
  • 203 Park LN 203 Park Ln, Chillicothe 64601 47 low-income homes · 1 bd: 47 · In service since 1988
  • Timber Villas Apts 2602 N Washington St, Chillicothe 64601 36 low-income homes · 2 bd: 36 · In service since 2003
  • Center Apts 525 Jackson St, Chillicothe 64601 34 low-income homes · 1 bd: 34 · In service since 2007 · For older adults (660) 646-0350

See all 8 buildings in Livingston County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Chillicothe

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Chillicothe

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

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

  • Community Services League

    404 N Noland Rd, Independence · 67 miles away

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 4 more
    (816) 254-4100

  • Habitat for Humanity of Kansas City

    1423 E Linwood Blvd, Kansas City · 74 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (816) 924-1096

  • Credit & Homeownership Empowerment Services, Inc.

    3115 Gillham Plz, Kansas City · 74 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (816) 533-7417

All counseling agencies in Missouri

Help in Spanish near Chillicothe

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 Chillicothe

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

  • Chillicothe Housing Authority Public housing and Section 8 vouchers (660) 646-3215

All housing agencies in Missouri Source: HUD

Cities

Nearby cities

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

Everything about Livingston County Housing in Missouri

Neighboring counties

If Livingston 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 Chillicothe.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Chillicothe

Short answers with the numbers for Chillicothe and all of Livingston 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 Chillicothe?

The typical home value in Chillicothe is $127,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Livingston County it is $147,700.

How much does it cost to rent in Chillicothe?

Typical rent in Chillicothe is $782 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Livingston County is $962.

What is the FHA loan limit in Chillicothe?

Chillicothe uses the FHA limit for all of Livingston 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 Chillicothe?

The typical homeowner in Chillicothe pays $967 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Livingston County, the rate is 0.81%.

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

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