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City · 12,617 residents · Callaway County, Missouri

Fulton , Missouri

In Fulton, a typical home is worth $155,900 and typical rent is $836 a month. Compared with all of Callaway County, typical household income is 31% lower, the typical home value is 23% lower, and the share of households that own their home is 27 points lower.

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  • Typical home value

    $155,900

    23% below the county

    32% below Missouri

    • Fulton
    • Callaway
    • Missouri

  • Typical rent

    $836a month

    6% below the county

    19% below Missouri

    • Fulton
    • Callaway
    • Missouri

  • Typical household income

    $51,429a year

    31% below the county

    27% below Missouri

    • Fulton
    • Callaway
    • Missouri

  • Households that own their home

    48%

    27 points below the county

    20 points below Missouri

    • Fulton
    • Callaway
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$249,581
6.7% more than 12 months ago

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

Fulton is in Callaway 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 Callaway County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fulton apart

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

  1. 48% of households in Fulton own their home, against 76% in Callaway County.

  2. The typical household income in Fulton is $51,429, 31% less than in Callaway County as a whole ($74,176).

  3. Nearby, in Mexico, the typical rent is $686: 18% less than in Fulton ($836).

  4. The typical home in Fulton is worth $155,900, 23% less than in Callaway County as a whole ($201,600).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Fulton rose 6.7%; in Missouri, it rose 3.4%.

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

The homes here

Housing in Fulton

What homes there are in Fulton, 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

In Fulton, 6 in 10 homes are single-family detached houses; in Callaway County, 7.

Year built

Homes in Fulton are older: the typical year built is 1969; in Callaway County, 1987.

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 Callaway County is $1,123; about 76% of rents in Fulton are below it.

With a mortgage

$1,159 a month

Callaway County: $1,351 a month

Without a mortgage

$509 a month

Callaway County: $522 a month

Owners with a mortgage

58%

Callaway County: 57%

The typical cost for an owner with a mortgage in Fulton is $1,159 a month, less than in Callaway County ($1,351); without one, $509.

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

From 2015–2019 to 2020–2024, the typical home value in Fulton rose 23%; in Callaway County, it rose 28%.

Rents in Fulton rose faster than in Callaway County: 29% since 2015–2019, against 25%.

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

MeasureFultonCallaway 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 2.302.502.402.53
Drive alone 70%76%75%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 7%3%2%3%
Work from home 10%10%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Fulton are smaller: 2.30 people on average; in Callaway County, 2.50.

Many here get to work on foot or by bike: 7%, more than in Callaway County (3%).

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 Fulton?

A typical home is tight for the typical income

We start with a typical home in Fulton, worth $155,900, 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 Fulton, which is $51,429 a year. For that payment to be 28% of income, a household would need to earn about $55,248 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fulton. 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 $5,457 (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

$1,289

at 7.18% · 30 years

Loan amount
$153,076
Total interest
$220,240
Paid off in
November 2056

Includes $2,633 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,200 a month

  • Tight

    $1,200 to $1,543 a month

    Your payment · 30%

  • Hard

    more than $1,543 a month

Compared with the typical household income in Fulton ($51,429 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,289
Principal & interest$1,037
Property tax$118
Home insurance$65
FHA mortgage insurance (MIP)$69

You need at least $5,457 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

Fulton and Callaway County

Fulton is in Callaway 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).

Fulton's own numbers

Typical home value
$155,900
Typical monthly rent
$836
Typical yearly household income
$51,429
Households that own their home
48%
Effective property tax rate
0.91%

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

Numbers for all of Callaway County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,123
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
2.6%

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 Callaway County.

Everything about Callaway County

Buying

Buying a home in Fulton

A typical home in Fulton is worth $155,900: 23% below the county and 32% below Missouri. With the typical household income in Fulton ($51,429 a year), a typical home costs 3.0 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.

  • Fulton 3.0 years
  • Callaway 2.7 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Callaway County

According to FHFA’s house price index, home prices in Callaway County rose 87% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +3.5% +3.7% +2.9%
5 years (2020–2025) +62% +51% +47%
10 years (2015–2025) +87% +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

Fulton next to Callaway 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
  • Fulton $155,900
  • Callaway $201,600
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Fulton $836
  • Callaway $887
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Fulton $51,429
  • Callaway $74,176
  • Missouri $70,702
  • United States $80,734
See the full table
Fulton next to Callaway County and Missouri
Measure Fulton Callaway County Missouri U.S.
Typical home value $155,900 $201,600 $230,300 $332,700
Typical monthly rent $836 $887 $1,033 $1,413
Typical yearly household income $51,429 $74,176 $70,702 $80,734
Households that own their home 48% 76% 68% 65%
Typical yearly property tax $1,416 $1,548 $1,948 $3,119
Effective property tax rate 0.91% 0.77% 0.85% 0.94%
Renters with high rent for their income 43% 37% 46% 51%

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

For a typical $155,900 home in Fulton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fulton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,289a month

    Least cash to close
    Down payment
    $5,457
    Cash to close
    $10,134
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $69

  • Conventional, 5% down $1,261a month

    Down payment
    $7,795
    Cash to close
    $12,472
    Rate
    7.18%
    Mortgage insurance
    PMI · $74

  • Conventional, 20% down, no PMI $1,028a month

    Down payment
    $31,180
    Cash to close
    $35,857
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,172a month

    Down payment
    $23,385
    Cash to close
    $28,062
    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 Fulton and for Callaway County.

Property tax

Effective rate in Fulton

0.91%of the home’s value each year

$1,416 a year for the typical owner in Fulton.

  • Fulton 0.91%
  • Callaway 0.77%
  • 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 Callaway County

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

Homes in the high-risk zone
2.6%
644
Of those, with NFIP insurance
3.4%
County Missouri U.S.
Homes in the high-risk zone 2.6% 1.6% 3.5%
Of those, with NFIP insurance 3.4% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fulton

Typical rent in Fulton is $836 a month: 6% below the county. In Fulton, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Callaway County, by unit size. To pay the 2-bedroom one ($1,123 a month) without spending more than 30% of your income, you would need to earn $21.60 an hour working full time.

HUD fair market rent for all of Callaway 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 $853 $16.40 $34,120
1 bedroom $858 $16.50 $34,320
2 bedrooms $1,123 $21.60 $44,920
3 bedrooms $1,338 $25.73 $53,520
4 bedrooms $1,570 $30.19 $62,800

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 Fulton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fulton is in ZIP code 65251.

For 2 bedrooms it is $1,100: $23 less than the fair market rent for Callaway County ($1,123).

  • 65251 $1,100$1,310

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

HUD lists 12 buildings with rents for lower incomes in Fulton. These are the largest.

  • HSG Auth of Fulton 337 Sycamore St, Fulton 65251 200 low-income homes · Run by Housing Authority of the City of Fulton · Average payment: $300 a month · Average wait: 15 months · Homes at several sites (573) 642-7611
  • Rocktree Apartments 2089 Manor Dr, Fulton 65251 64 low-income homes · 1 bd: 64 · In service since 2017 · For older adults
  • Rocktree Apartments 2089 Manor Dr, Fulton 65251 64 low-income homes · For older adults (573) 642-8862
  • Rocktree Apts 2089 Manor Dr, Fulton 65251 64 homes, 57 low-income · 1 bd: 57 · In service since 2001
  • Callaway Village Apts 549 Amerihost Dr, Fulton 65251 48 low-income homes · 2 bd: 32 · 3 bd: 16 · In service since 2001

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

Free help

Help to buy or rent in Fulton

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 Callaway 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 Fulton

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

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

  • Love Columbia

    1209 E Walnut St, Columbia · 21 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (573) 256-7662

  • North East Community Action Corporation

    16 N Court St, Bowling Green · 53 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (573) 324-2231

  • Community Action Agency of ST. Louis County, Inc. (CAASTLC)

    2709 Woodson Rd, Saint Louis · 86 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (314) 863-0015

All counseling agencies in Missouri

Help in Spanish near Fulton

None of the 3 agencies on this list say they serve 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 Fulton

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

  • Housing Authority of the City of Fulton Public housing (573) 642-7611

All housing agencies in Missouri Source: HUD

Cities

Nearby cities

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

Everything about Callaway County Housing in Missouri

Neighboring counties

If Callaway 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 Fulton.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Fulton

Short answers with the numbers for Fulton and all of Callaway 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 Fulton?

The typical home value in Fulton is $155,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Callaway County it is $201,600.

How much does it cost to rent in Fulton?

Typical rent in Fulton is $836 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Callaway County is $1,123.

What is the FHA loan limit in Fulton?

Fulton uses the FHA limit for all of Callaway 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 Fulton?

The typical homeowner in Fulton pays $1,416 a year, according to the U.S. Census Bureau. That is 0.91% of the home’s value; in Callaway County, the rate is 0.77%.

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

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