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City · 52,593 residents · Jasper County, Missouri

Joplin , Missouri

In Joplin, a typical home is worth $168,300 and typical rent is $962 a month. Compared with all of Jasper County, typical household income is 14% lower and the share of households that own their home is 9 points lower.

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  • Typical home value

    $168,300

    About the same as the county

    27% below Missouri

    • Joplin
    • Jasper
    • Missouri

  • Typical rent

    $962a month

    About the same as the county

    7% below Missouri

    • Joplin
    • Jasper
    • Missouri

  • Typical household income

    $52,097a year

    14% below the county

    26% below Missouri

    • Joplin
    • Jasper
    • Missouri

  • Households that own their home

    53%

    9 points below the county

    15 points below Missouri

    • Joplin
    • Jasper
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$206,480
2% more than 12 months ago
Typical rent
$1,173 a month
3.8% more than 12 months ago

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

Joplin is in Jasper 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 Jasper County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Joplin apart

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

  1. Nearby, in Neosho, the typical rent is $745: 23% less than in Joplin ($962).

  2. 53% of households in Joplin own their home, against 63% in Jasper County.

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

The homes here

Housing in Joplin

What homes there are in Joplin, 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 Joplin, but it weighs less than in Jasper County: 71% against 75%.

Year built

In Joplin, half of the homes were built before 1985; in Jasper County, before 1986.

In Joplin, 16% of homes have 1 bedroom or none (studios); 55% have 3 bedrooms or more, against 63% in Jasper County.

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

By price, most homes in Joplin sit under the FHA limit for Jasper County ($541,287): about 95%.

Monthly rent with utilities

About 66% of rented homes in Joplin cost less than HUD's 2-bedroom fair market rent for Jasper County ($1,153); the rest cost more.

With a mortgage

$1,196 a month

Jasper County: $1,219 a month

Without a mortgage

$493 a month

Jasper County: $491 a month

Owners with a mortgage

57%

Jasper County: 60%

In Joplin, 57% of owners have a mortgage; their typical cost is $1,196 a month, about the same as in Jasper County.

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

The typical home value in Joplin rose 34% since 2015–2019, less than in Jasper County (41%).

The typical rent in Joplin rose 22% over the same time; in Jasper County, it rose 25%.

Housing prices ran ahead of income in Joplin: typical income rose 15%, against +34% for home values and +22% for rent.

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

MeasureJoplinJasper CountyMissouriUnited States
Rental vacancy 3.3%Unreliable estimate5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room 1.3%2.2%1.7%3.4%
People per household 2.242.472.402.53
Drive alone 77%80%75%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%2%2%3%
Work from home 10%9%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Joplin is 3.3%.

More than one person per room: that is how 1.3% of households in Joplin live, near the figure in Jasper County (2.2%).

On average, a household in Joplin has 2.24 people, fewer than in Jasper County (2.47).

In Joplin, 77% of workers drive alone to work; in Jasper 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 Joplin?

A typical home is tight for the typical income

We start with a typical home in Joplin, worth $168,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Joplin, which is $52,097 a year. For that payment to be 28% of income, a household would need to earn about $58,320 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Joplin. 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 $5,891 (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

$1,361

at 7.18% · 30 years

Loan amount
$165,251
Total interest
$237,758
Paid off in
November 2056

Includes $2,842 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,216 a month

  • Tight

    $1,216 to $1,563 a month

    Your payment · 31%

  • Hard

    more than $1,563 a month

Compared with the typical household income in Joplin ($52,097 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,361
Principal & interest$1,119
Property tax$97
Home insurance$70
FHA mortgage insurance (MIP)$74

You need at least $5,891 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

Joplin and Jasper County

Joplin is in Jasper 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).

Joplin's own numbers

Typical home value
$168,300
Typical monthly rent
$962
Typical yearly household income
$52,097
Households that own their home
53%
Effective property tax rate
0.69%

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

Numbers for all of Jasper County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,153
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1.6%

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 Jasper County.

Everything about Jasper County

Buying

Buying a home in Joplin

A typical home in Joplin is worth $168,300: about the same as the county and 27% below Missouri. With the typical household income in Joplin ($52,097 a year), a typical home costs 3.2 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.

  • Joplin 3.2 years
  • Jasper 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 Jasper County

According to FHFA’s house price index, home prices in Jasper County rose 83% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +3.7% +3.7% +2.9%
5 years (2020–2025) +56% +51% +47%
10 years (2015–2025) +83% +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

Joplin next to Jasper 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
  • Joplin $168,300
  • Jasper $166,900
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Joplin $962
  • Jasper $973
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Joplin $52,097
  • Jasper $60,694
  • Missouri $70,702
  • United States $80,734
See the full table
Joplin next to Jasper County and Missouri
Measure Joplin Jasper County Missouri U.S.
Typical home value $168,300 $166,900 $230,300 $332,700
Typical monthly rent $962 $973 $1,033 $1,413
Typical yearly household income $52,097 $60,694 $70,702 $80,734
Households that own their home 53% 63% 68% 65%
Typical yearly property tax $1,158 $1,196 $1,948 $3,119
Effective property tax rate 0.69% 0.72% 0.85% 0.94%
Renters with high rent for their income 48% 49% 46% 51%

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

For a typical $168,300 home in Joplin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Joplin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,361a month

    Least cash to close
    Down payment
    $5,891
    Cash to close
    $10,940
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $74

  • Conventional, 5% down $1,330a month

    Down payment
    $8,415
    Cash to close
    $13,464
    Rate
    7.18%
    Mortgage insurance
    PMI · $80

  • Conventional, 20% down, no PMI $1,079a month

    Down payment
    $33,660
    Cash to close
    $38,709
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,235a month

    Down payment
    $25,245
    Cash to close
    $30,294
    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 Joplin and for Jasper County.

Property tax

Effective rate in Joplin

0.69%of the home’s value each year

$1,158 a year for the typical owner in Joplin.

  • Joplin 0.69%
  • Jasper 0.72%
  • 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 Jasper County

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

Homes in the high-risk zone
1.6%
776
Of those, with NFIP insurance
12%
County Missouri U.S.
Homes in the high-risk zone 1.6% 1.6% 3.5%
Of those, with NFIP insurance 12% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Joplin

Typical rent in Joplin is $962 a month: about the same as the county. In Joplin, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jasper County, by unit size. To pay the 2-bedroom one ($1,153 a month) without spending more than 30% of your income, you would need to earn $22.17 an hour working full time.

HUD fair market rent for all of Jasper 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 $904 $17.38 $36,160
1 bedroom $910 $17.50 $36,400
2 bedrooms $1,153 $22.17 $46,120
3 bedrooms $1,501 $28.87 $60,040
4 bedrooms $1,635 $31.44 $65,400

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 Joplin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Joplin has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,140 in 64804 to $1,200 in 64801.

1 of the 2 is above the fair market rent for Jasper County ($1,153).

  • 64801 $1,200$1,560
  • 64804 $1,140$1,480

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Joplin 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 Joplin

HUD lists 25 buildings with rents for lower incomes in Joplin. These are the largest.

  • Tanglewood Apts 2525 E 32nd St, Joplin 64804 176 low-income homes · 1 bd: 64 · 2 bd: 112 · In service since 1988
  • Park Apts 1703 Campbell Pkwy, Joplin 64801 192 homes, 167 low-income · Studio: 48 · 1 bd: 64 · 2 bd: 48 · 3 bd: 32 · In service since 2000
  • Oak Meadows 1502 S Michigan Ave, Joplin 64804 138 low-income homes · 1 bd: 16 · 2 bd: 50 · 3 bd: 60 · 4 bd: 12 · In service since 2012 · For people with disabilities, families (417) 781-3973
  • Messenger Towers 102 E 2nd St, Joplin 64801 130 homes, 122 low-income · For older adults (417) 238-3641
  • North Park Village 3508 Newman Rd, Joplin 64801 120 low-income homes · 1 bd: 60 · 2 bd: 60 · In service since 1996

See all 54 buildings in Jasper County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Joplin

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Joplin

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

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

  • Cambridge Credit Counseling Corporation - Springfield Branch

    1515 S Glenstone Ave, Springfield · 69 miles away · Spanish

    Also serves in Polish.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (417) 889-7474

  • NSC (naca Counseling Subsidiary) - Kansas City, MO

    100 E 43rd St, Kansas City · 136 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (816) 531-6222

  • Habitat for Humanity of Kansas City

    1423 E Linwood Blvd, Kansas City · 138 miles away

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

All counseling agencies in Missouri

Help in Spanish near Joplin

2 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 Joplin

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

  • Housing Authority of the City of Joplin, MO Public housing and Section 8 vouchers (417) 624-4514

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

Cities

Other cities in Jasper County

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

Everything about Jasper County Housing in Missouri

Nearby cities

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

Neighboring counties

If Jasper 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 Joplin.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Joplin

Short answers with the numbers for Joplin and all of Jasper 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 Joplin?

The typical home value in Joplin is $168,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jasper County it is $166,900.

How much does it cost to rent in Joplin?

Typical rent in Joplin is $962 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jasper County is $1,153.

What is the FHA loan limit in Joplin?

Joplin uses the FHA limit for all of Jasper 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 Joplin?

The typical homeowner in Joplin pays $1,158 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Jasper County, the rate is 0.72%.

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

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