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City · 6,470 residents · Jefferson County, Missouri

De Soto , Missouri

In De Soto, a typical home is worth $160,700 and typical rent is $809 a month. Compared with all of Jefferson County, typical household income is 37% lower, the typical home value is 32% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $160,700

    32% below the county

    30% below Missouri

    • De Soto
    • Jefferson
    • Missouri

  • Typical rent

    $809a month

    17% below the county

    22% below Missouri

    • De Soto
    • Jefferson
    • Missouri

  • Typical household income

    $52,500a year

    37% below the county

    26% below Missouri

    • De Soto
    • Jefferson
    • Missouri

  • Households that own their home

    58%

    24 points below the county

    10 points below Missouri

    • De Soto
    • Jefferson
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$248,296
5.9% more than 12 months ago

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

De Soto is in Jefferson 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 Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets De Soto apart

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

  1. 58% of households in De Soto own their home, against 82% in Jefferson County.

  2. The typical household income in De Soto is $52,500, 37% less than in Jefferson County as a whole ($82,851).

  3. The typical home in De Soto is worth $160,700, 32% less than in Jefferson County as a whole ($237,200).

  4. Nearby, in Bonne Terre, the typical rent is $641: 21% less than in De Soto ($809).

  5. The typical rent in De Soto is $809 a month, 17% less than in Jefferson County as a whole ($979).

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

The homes here

Housing in De Soto

What homes there are in De Soto, 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 houses are the majority in De Soto (67%), but less so than in Jefferson County (80%).

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

At least 70% of rented homes in De Soto cost less than $1,000, below HUD's 2-bedroom fair market rent ($1,349).

With a mortgage

$1,270 a month

Jefferson County: $1,545 a month

Without a mortgage

$420 a month

Jefferson County: $523 a month

Owners with a mortgage

67%

Jefferson County: 66%

The typical cost for an owner with a mortgage in De Soto is $1,270 a month, less than in Jefferson County ($1,545); without one, $420.

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

Homes in De Soto gained value more slowly than in Jefferson County: 43% since 2015–2019, against 47%.

Since 2015–2019, the typical rent in De Soto rose 11%, less than in Jefferson County (15%).

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

MeasureDe SotoJefferson CountyMissouriUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.0%5.5%
Homeowner vacancy Unreliable estimate1.0%0.9%0.9%
More than one person per room Unreliable estimate1.1%1.7%3.4%
People per household 2.392.582.402.53
Drive alone 73%80%75%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate12%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in De Soto has 2.39 people, fewer than in Jefferson County (2.58).

To get to work, 73% of workers in De Soto drive alone; in Jefferson 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 De Soto?

A typical home is tight for the typical income

We start with a typical home in De Soto, worth $160,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in De Soto, which is $52,500 a year. For that payment to be 28% of income, a household would need to earn about $56,146 a year.

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

Your numbers

Local data
$

Starts at the typical home value in De Soto. 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 $5,625 (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

$1,310

at 7.18% · 30 years

Loan amount
$157,789
Total interest
$227,021
Paid off in
November 2056

Includes $2,714 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,225 a month

  • Tight

    $1,225 to $1,575 a month

    Your payment · 30%

  • Hard

    more than $1,575 a month

Compared with the typical household income in De Soto ($52,500 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,310
Principal & interest$1,069
Property tax$103
Home insurance$67
FHA mortgage insurance (MIP)$71

You need at least $5,625 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

De Soto and Jefferson County

De Soto is in Jefferson 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).

De Soto's own numbers

Typical home value
$160,700
Typical monthly rent
$809
Typical yearly household income
$52,500
Households that own their home
58%
Effective property tax rate
0.77%

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

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.7%

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 Jefferson County.

Everything about Jefferson County

Buying

Buying a home in De Soto

A typical home in De Soto is worth $160,700: 32% below the county and 30% below Missouri. With the typical household income in De Soto ($52,500 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.

  • De Soto 3.1 years
  • Jefferson 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 Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 82% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +4.0% +3.7% +2.9%
5 years (2020–2025) +48% +51% +47%
10 years (2015–2025) +82% +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

De Soto next to Jefferson 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
  • De Soto $160,700
  • Jefferson $237,200
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • De Soto $809
  • Jefferson $979
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • De Soto $52,500
  • Jefferson $82,851
  • Missouri $70,702
  • United States $80,734
See the full table
De Soto next to Jefferson County and Missouri
Measure De Soto Jefferson County Missouri U.S.
Typical home value $160,700 $237,200 $230,300 $332,700
Typical monthly rent $809 $979 $1,033 $1,413
Typical yearly household income $52,500 $82,851 $70,702 $80,734
Households that own their home 58% 82% 68% 65%
Typical yearly property tax $1,234 $1,906 $1,948 $3,119
Effective property tax rate 0.77% 0.8% 0.85% 0.94%

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

For a typical $160,700 home in De Soto, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, De Soto's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,310a month

    Least cash to close
    Down payment
    $5,625
    Cash to close
    $10,446
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $71

  • Conventional, 5% down $1,281a month

    Down payment
    $8,035
    Cash to close
    $12,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $76

  • Conventional, 20% down, no PMI $1,041a month

    Down payment
    $32,140
    Cash to close
    $36,961
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,190a month

    Down payment
    $24,105
    Cash to close
    $28,926
    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 De Soto and for Jefferson County.

Property tax

Effective rate in De Soto

0.77%of the home’s value each year

$1,234 a year for the typical owner in De Soto.

  • De Soto 0.77%
  • Jefferson 0.8%
  • 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 Jefferson County

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

Homes in the high-risk zone
2.7%
2,395
Of those, with NFIP insurance
19%
County Missouri U.S.
Homes in the high-risk zone 2.7% 1.6% 3.5%
Of those, with NFIP insurance 19% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in De Soto

Typical rent in De Soto is $809 a month: 17% below the county.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.

HUD fair market rent for all of Jefferson 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 $1,064 $20.46 $42,560
1 bedroom $1,104 $21.23 $44,160
2 bedrooms $1,349 $25.94 $53,960
3 bedrooms $1,731 $33.29 $69,240
4 bedrooms $1,997 $38.40 $79,880

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 De Soto

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). De Soto is in ZIP code 63020.

For 2 bedrooms it is $1,060: $289 less than the fair market rent for Jefferson County ($1,349).

  • 63020 $1,060$1,360

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

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

  • Cedar Valley Apts. 1115 Cedar Valley Ct, De Soto 63020 88 low-income homes · For older adults (314) 586-8780
  • Desoto Central Apts 205 S 3rd St, De Soto 63020 43 low-income homes · Studio: 2 · 1 bd: 27 · 2 bd: 14 · In service since 2011 · For older adults, people with disabilities
  • Desoto I Apts 506 W Saint Louis St, De Soto 63020 42 low-income homes · 1 bd: 42 · In service since 2005 · For older adults, people with disabilities (636) 586-7811
  • Woodcrest Village Apts 1999 Woodcrest Pl, De Soto 63020 40 low-income homes · 2 bd: 28 · 3 bd: 12 · In service since 2002
  • Meadowbrook Manor Apts 2111 Cedar Grove DR, De Soto 63020 10 low-income homes · 3 bd: 10 · In service since 1998

See all 28 buildings in Jefferson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in De Soto

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in De Soto

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

The HUD-approved agencies closest to the center of De Soto, 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 · 31 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 · 37 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 · 38 miles away

    • Reverse mortgage counseling
    (844) 432-6467

All counseling agencies in Missouri

Help in Spanish near De Soto

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 De Soto

In HUD’s record, no housing authority with an office in Jefferson County is named for De Soto or Jefferson County.

2 other authorities have an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

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

Everything about Jefferson County Housing in Missouri

Nearby cities

The cities closest to De Soto, with the typical home value.

Neighboring counties

If Jefferson 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 De Soto.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about De Soto

Short answers with the numbers for De Soto and all of Jefferson 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 De Soto?

The typical home value in De Soto is $160,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $237,200.

How much does it cost to rent in De Soto?

Typical rent in De Soto is $809 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,349.

What is the FHA loan limit in De Soto?

De Soto uses the FHA limit for all of Jefferson 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 De Soto?

The typical homeowner in De Soto pays $1,234 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Jefferson County, the rate is 0.8%.

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

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