In Hannibal, a typical home is worth $127,700 and typical rent is $805 a month. Compared with all of Marion County, the typical home value is 21% lower, typical household income is 15% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $132,072 to $177,617.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hannibal is in Marion 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 Marion County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Hannibal is worth $127,700,21% less than in Marion County as a whole ($162,000).
2
Nearby, in Macon, the typical rent is $680: 16% less than in Hannibal ($805).
3
62% of households in Hannibal own their home, against 69% in Marion County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hannibal
What homes there are in Hannibal, 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
Hannibal
Marion County
Missouri
United States
Kind of home: Hannibal and its comparisons
Measure
Hannibal
Marion County
Missouri
United States
Detached house
70%
74%
71%
61%
Attached house
3%
3%
4%
6%
Building of 2 to 4
14%
11%
8%
8%
Apartments (5 or more)
10%
8%
13%
19%
Mobile home
3%
5%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Hannibal (70%), but less so than in Marion County (74%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Hannibal
Marion County
Missouri
United States
Year built: Hannibal and its comparisons
Measure
Hannibal
Marion County
Missouri
United States
Before 1960
47%
39%
27%
26%
1960–1979
26%
24%
25%
24%
1980–1999
18%
22%
25%
25%
2000–2009
4%
7%
13%
14%
2010 or later
5%
8%
10%
11%
Homes in Hannibal are older: the typical year built is 1963; in Marion County, 1971.
There are fewer big homes in Hannibal than in Marion County: 51% have 3 bedrooms or more, against 57%.
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 $100K38%
$100K–$200K38%
$200K–$300K15%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hannibal and its comparisons
Measure
Hannibal
Under $100K
38%
$100K–$200K
38%
$200K–$300K
15%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 98% of owner-occupied homes in Hannibal are worth less than $500,000, below the FHA loan limit for Marion County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50026%
$500–$99949%
$1,000–$1,49922%
HUD fair market rent, 2 bedrooms: $1,060
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hannibal and its comparisons
Measure
Hannibal
Under $500
26%
$500–$999
49%
$1,000–$1,499
22%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 78% of rented homes in Hannibal cost less than HUD's 2-bedroom fair market rent for Marion County ($1,060).
With a mortgage
$1,085 a month
Marion County: $1,175 a month
Without a mortgage
$459 a month
Marion County: $490 a month
Owners with a mortgage
44%
Marion County: 44%
Owning costs less in Hannibal: with a mortgage, the typical cost is $1,085 a month; in Marion County, $1,175. Without one, $459.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hannibal+21%
Marion County+31%
Missouri+47%
United States+53%
Typical rent
Hannibal+14%
Marion County+22%
Missouri+25%
United States+33%
Typical household income
Hannibal+25%
Marion County+29%
Missouri+28%
United States+29%
Change since 2015–2019: Hannibal and its comparisons
Measure
Hannibal
Marion County
Missouri
United States
Typical home value
+21%
+31%
+47%
+53%
Typical rent
+14%
+22%
+25%
+33%
Typical household income
+25%
+29%
+28%
+29%
The typical home value in Hannibal rose 21% since 2015–2019, less than in Marion County (31%).
Rents in Hannibal rose more slowly than in Marion County: 14% since 2015–2019, against 22%.
Here income gained ground: typical income rose 25%, against +21% for home values and +14% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hannibal and its comparisons
Measure
Hannibal
Marion 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
Unreliable estimate
1.7%
3.4%
People per household
2.28
2.40
2.40
2.53
Drive alone
77%
78%
75%
69%
Carpool
11%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
4%
4%
2%
3%
Work from home
6%
7%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Hannibal has 2.28 people, fewer than in Marion County (2.40).
To get to work, 77% of workers in Hannibal drive alone; in Marion County, 78%.
Do the math
What would you pay each month for a home in Hannibal?
A typical home is within reach of the typical income
We start with a typical home in Hannibal, worth $127,700, 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 Hannibal, which is $53,721 a year.
The calculator's FHA and conventional loan limits are those of all of Marion 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 Hannibal. 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 $4,470 (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
$1,051
at 7.18% · 30 years
Loan amount
$125,387
Total interest
$180,402
Paid off in
November 2056
Includes $2,157 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,253 a month
Your payment · 23%
Tight
$1,253 to $1,612 a month
Hard
more than $1,612 a month
Compared with the typical household income in Hannibal ($53,721 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$849
Property tax
$92
Home insurance
$53
FHA mortgage insurance (MIP)
$56
You need at least $4,470 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 $1,051; principal and interest $849.
The city and its county
Hannibal and Marion County
Hannibal is in Marion 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).
Hannibal
Map of Marion County, Missouri, with Hannibal marked. Around it, the neighboring counties.
Hannibal
Marion County
Hannibal's own numbers
Typical home value
$127,700
Typical monthly rent
$805
Typical yearly household income
$53,721
Households that own their home
62%
Effective property tax rate
0.86%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Marion County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,060
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
3.8%
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 Marion County.
A typical home in Hannibal is worth $127,700: 21% below the county and 45% below Missouri. With the typical household income in Hannibal ($53,721 a year), a typical home costs 2.4 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.
Hannibal2.4 years
Marion2.6 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Marion County
According to FHFA’s house price index, home prices in Marion County rose 74% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Marion County.
Yearly change in FHFA’s price index in Marion County, 2016 to 2025
2016: +0.9% +0.9% 2016
2017: +2.3% +2.3% 2017
2018: +1.9% +1.9% 2018
2019: +4.4% +4.4% 2019
2020: +3.5% +3.5% 2020
2021: +10.5% +10.5% 2021
2022: +13.5% +13.5% 2022
2023: +8.9% +8.9% 2023
2024: +2.8% +2.8% 2024
2025: +9.1% +9.1% 2025
Change in FHFA’s price index in Marion County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+9.1%
+3.7%
+2.9%
5 years (2020–2025)
+53%
+51%
+47%
10 years (2015–2025)
+74%
+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
Hannibal next to Marion 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
Hannibal$127,700
Marion$162,000
Missouri$230,300
United States$332,700
Typical monthly rent
Hannibal$805
Marion$808
Missouri$1,033
United States$1,413
Typical yearly household income
Hannibal$53,721
Marion$62,903
Missouri$70,702
United States$80,734
See the full table
Hannibal next to Marion County and Missouri
Measure
Hannibal
Marion County
Missouri
U.S.
Typical home value
$127,700 ▼21% below the county
$162,000
$230,300
$332,700
Typical monthly rent
$805
$808
$1,033
$1,413
Typical yearly household income
$53,721 ▼15% below the county
$62,903
$70,702
$80,734
Households that own their home
62% ▼7 points below the county
69%
68%
65%
Typical yearly property tax
$1,096 ▼18% below the county
$1,335
$1,948
$3,119
Effective property tax rate
0.86% ▲0.04 points above the county
0.82%
0.85%
0.94%
Renters with high rent for their income
43% ▲2 points above the county
41%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Marion 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 Hannibal
For a typical $127,700 home in Hannibal, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hannibal's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,051a month
Least cash to close
Down payment
$4,470
Cash to close
$8,301
Rate
7.18%
Mortgage insurance
FHA MIP · $56
Conventional, 5% down$1,027a month
Down payment
$6,385
Cash to close
$10,216
Rate
7.18%
Mortgage insurance
PMI · $61
Conventional, 20% down, no PMI$837a month
Down payment
$25,540
Cash to close
$29,371
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$955a month
Down payment
$19,155
Cash to close
$22,986
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hannibal
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,051
$4,470
$125,387
7.18%
FHA MIP · $56
$8,301
580
Conventional, 5% down
$1,027
$6,385
$121,315
7.18%
PMI · $61
$10,216
620*
Conventional, 20% down, no PMI
$837
$25,540
$102,160
7.18%
None
$29,371
620*
ITIN, 15% down (example)
$955
$19,155
$108,545
8.18%
None
$22,986
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 Hannibal and for Marion County.
Property tax
Effective rate in Hannibal
0.86%of the home’s value each year
$1,096 a year for the typical owner in Hannibal.
Hannibal0.86%
Marion0.82%
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 Hannibal is $805 a month: about the same as the county. In Hannibal, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Marion County, by unit size. To pay the 2-bedroom one ($1,060 a month) without spending more than 30% of your income, you would need to earn $20.38 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 Marion County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$781
$15.02
$31,240
1 bedroom
$810
$15.58
$32,400
2 bedrooms
$1,060
$20.38
$42,400
3 bedrooms
$1,376
$26.46
$55,040
4 bedrooms
$1,393
$26.79
$55,720
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 Hannibal
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hannibal is in ZIP code 63401.
For 2 bedrooms it is $1,070: $10 more than the fair market rent for Marion County ($1,060).
Fair market rent by ZIP code and size in Hannibal, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63401
$790
$820
$1,070
$1,390
$1,430
ZIP code2 bd3 bd
63401 $1,070$1,390
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hannibal 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)
HUD lists 14 buildings with rents for lower incomes in Hannibal. These are the largest.
Hannibal100 N 11th St, Hannibal 63401256 homes, 250 low-income · Run by Housing Authority of the City of Hannibal · Average payment: $383 a month · Average wait: 8 months(573) 221-7575
Beth-Haven Terrace901 Central Ave, Hannibal 63401102 low-income homes · For older adults(573) 221-0015
Hannibal Manor271 Munger Ln, Hannibal 6340176 low-income homes · For families(573) 221-7575
Hannibal Apts202 Centerville Rd, Hannibal 6340172 low-income homes · 1 bd: 16 · 2 bd: 56 · In service since 2009 · For people with disabilities, families
Holman Place Apartments3070 Holman Dr, Hannibal 6340148 low-income homes · 2 bd: 40 · 3 bd: 8 · In service since 2015 · For families
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 Marion 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 Hannibal or Marion County. The ones below are statewide in Missouri: they work in Hannibal 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 Hannibal or Marion 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 Hannibal and all of Marion 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 Hannibal?
The typical home value in Hannibal is $127,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marion County it is $162,000.
How much does it cost to rent in Hannibal?
Typical rent in Hannibal is $805 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marion County is $1,060.
What is the FHA loan limit in Hannibal?
Hannibal uses the FHA limit for all of Marion 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 Hannibal?
The typical homeowner in Hannibal pays $1,096 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Marion County, the rate is 0.82%.
Where can I find free help to buy or rent in Hannibal?
We found no HUD-approved counseling agencies with an office in Marion County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
