In Kirksville, a typical home is worth $153,900 and typical rent is $775 a month. Compared with all of Adair County, typical household income is 19% lower, the typical home value is 7% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $135,438 to $156,697.
Typical rent
$808a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kirksville is in Adair 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 Adair County. See the county
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: 35% less than in Kirksville ($153,900).
2
48% of households in Kirksville own their home, against 61% in Adair County.
3
The typical household income in Kirksville is $50,071,19% less than in Adair County as a whole ($61,536).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kirksville
What homes there are in Kirksville, 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
Kirksville
Adair County
Missouri
United States
Kind of home: Kirksville and its comparisons
Measure
Kirksville
Adair County
Missouri
United States
Detached house
59%
68%
71%
61%
Attached house
3%
2%
4%
6%
Building of 2 to 4
22%
15%
8%
8%
Apartments (5 or more)
12%
8%
13%
19%
Mobile home
3%
7%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Kirksville, 6 in 10 homes are single-family detached houses; in Adair County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Kirksville
Adair County
Missouri
United States
Year built: Kirksville and its comparisons
Measure
Kirksville
Adair County
Missouri
United States
Before 1960
34%
31%
27%
26%
1960–1979
33%
33%
25%
24%
1980–1999
19%
20%
25%
25%
2000–2009
6%
8%
13%
14%
2010 or later
8%
9%
10%
11%
In Kirksville, half of the homes were built before 1971; in Adair County, before 1973.
There are fewer big homes in Kirksville than in Adair County: 48% have 3 bedrooms or more, against 54%.
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 $100K21%
$100K–$200K48%
$200K–$300K21%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Kirksville and its comparisons
Measure
Kirksville
Under $100K
21%
$100K–$200K
48%
$200K–$300K
21%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for Adair County is high ($541,287): at least 97% of owner-occupied homes in Kirksville are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50018%
$500–$99959%
HUD fair market rent, 2 bedrooms: $962
$1,000–$1,49917%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kirksville and its comparisons
Measure
Kirksville
Under $500
18%
$500–$999
59%
$1,000–$1,499
17%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 72% of rented homes in Kirksville cost less than HUD's 2-bedroom fair market rent for Adair County ($962).
With a mortgage
$1,095 a month
Adair County: $1,145 a month
Without a mortgage
$473 a month
Adair County: $472 a month
Owners with a mortgage
57%
Adair County: 53%
In Kirksville, 57% of owners have a mortgage; their typical cost is $1,095 a month, about the same as in Adair County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kirksville+30%
Adair County+31%
Missouri+47%
United States+53%
Typical rent
Kirksville+21%
Adair County+20%
Missouri+25%
United States+33%
Typical household income
Kirksville+49%
Adair County+47%
Missouri+28%
United States+29%
Change since 2015–2019: Kirksville and its comparisons
Measure
Kirksville
Adair County
Missouri
United States
Typical home value
+30%
+31%
+47%
+53%
Typical rent
+21%
+20%
+25%
+33%
Typical household income
+49%
+47%
+28%
+29%
Much as in Adair County, the typical home value in Kirksville rose 30% since 2015–2019.
Rents in Kirksville rose at about the same pace as in Adair County: 21% since 2015–2019, against 20%.
Income in Kirksville grew faster than housing: it rose 49%, while home values changed +30% and rent +21%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kirksville and its comparisons
Measure
Kirksville
Adair County
Missouri
United States
Rental vacancy
8.4%
7.9%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.9%
1.7%
3.4%
People per household
2.50
2.56
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%
3%
2%
3%
Work from home
7%
8%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Adair County, the rental vacancy rate in Kirksville is 8.4%.
By size, households in Kirksville look like those in Adair County: 2.50 people on average.
To get to work, 77% of workers in Kirksville drive alone; in Adair County, 78%.
Do the math
What would you pay each month for a home in Kirksville?
A typical home is tight for the typical income
We start with a typical home in Kirksville, worth $153,900, 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 Kirksville, which is $50,071 a year. For that payment to be 28% of income, a household would need to earn about $54,210 a year.
The calculator's FHA and conventional loan limits are those of all of Adair 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 Kirksville. 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 $5,387 (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
$1,265
at 7.18% · 30 years
Loan amount
$151,112
Total interest
$217,415
Paid off in
November 2056
Includes $2,599 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,168 a month
Tight
$1,168 to $1,502 a month
Your payment · 30%
Hard
more than $1,502 a month
Compared with the typical household income in Kirksville ($50,071 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,024
Property tax
$109
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,387 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 $1,265; principal and interest $1,024.
The city and its county
Kirksville and Adair County
Kirksville is in Adair 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).
Kirksville
Map of Adair County, Missouri, with Kirksville marked. Around it, the neighboring counties.
Kirksville
Adair County
Kirksville's own numbers
Typical home value
$153,900
Typical monthly rent
$775
Typical yearly household income
$50,071
Households that own their home
48%
Effective property tax rate
0.85%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Adair 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%
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 Adair County.
A typical home in Kirksville is worth $153,900: 7% below the county and 33% below Missouri. With the typical household income in Kirksville ($50,071 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.
Kirksville3.1 years
Adair2.7 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Adair County
According to FHFA’s house price index, home prices in Adair County rose 59% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Adair County.
Yearly change in FHFA’s price index in Adair County, 2016 to 2025
2016: +2.0% +2.0% 2016
2017: +1.2% +1.2% 2017
2018: +5.8% +5.8% 2018
2019: −0.1% −0.1% 2019
2020: +0.4% +0.4% 2020
2021: +10.2% +10.2% 2021
2022: +11.4% +11.4% 2022
2023: +7.8% +7.8% 2023
2024: +3.7% +3.7% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in Adair County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+5.8%
+3.7%
+2.9%
5 years (2020–2025)
+45%
+51%
+47%
10 years (2015–2025)
+59%
+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
Kirksville next to Adair 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
Kirksville$153,900
Adair$165,700
Missouri$230,300
United States$332,700
Typical monthly rent
Kirksville$775
Adair$772
Missouri$1,033
United States$1,413
Typical yearly household income
Kirksville$50,071
Adair$61,536
Missouri$70,702
United States$80,734
See the full table
Kirksville next to Adair County and Missouri
Measure
Kirksville
Adair County
Missouri
U.S.
Typical home value
$153,900 ▼7% below the county
$165,700
$230,300
$332,700
Typical monthly rent
$775
$772
$1,033
$1,413
Typical yearly household income
$50,071 ▼19% below the county
$61,536
$70,702
$80,734
Households that own their home
48% ▼13 points below the county
61%
68%
65%
Typical yearly property tax
$1,306 ▲2% above the county
$1,276
$1,948
$3,119
Effective property tax rate
0.85% ▲0.08 points above the county
0.77%
0.85%
0.94%
Renters with high rent for their income
41%
40%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Adair 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 Kirksville
For a typical $153,900 home in Kirksville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kirksville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,265a month
Least cash to close
Down payment
$5,387
Cash to close
$10,004
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,237a month
Down payment
$7,695
Cash to close
$12,312
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$1,007a month
Down payment
$30,780
Cash to close
$35,397
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,149a month
Down payment
$23,085
Cash to close
$27,702
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kirksville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,265
$5,387
$151,112
7.18%
FHA MIP · $68
$10,004
580
Conventional, 5% down
$1,237
$7,695
$146,205
7.18%
PMI · $73
$12,312
620*
Conventional, 20% down, no PMI
$1,007
$30,780
$123,120
7.18%
None
$35,397
620*
ITIN, 15% down (example)
$1,149
$23,085
$130,815
8.18%
None
$27,702
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 Kirksville and for Adair County.
Property tax
Effective rate in Kirksville
0.85%of the home’s value each year
$1,306 a year for the typical owner in Kirksville.
Kirksville0.85%
Adair0.77%
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 Kirksville is $775 a month: about the same as the county. In Kirksville, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Adair 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Adair County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$738
$14.19
$29,520
1 bedroom
$798
$15.35
$31,920
2 bedrooms
$962
$18.50
$38,480
3 bedrooms
$1,332
$25.62
$53,280
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 Kirksville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kirksville is in ZIP code 63501.
For 2 bedrooms it is $960: $2 less than the fair market rent for Adair County ($962).
Fair market rent by ZIP code and size in Kirksville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63501
$740
$800
$960
$1,330
$1,610
ZIP code2 bd3 bd
63501 $960$1,330
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kirksville 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 12 buildings with rents for lower incomes in Kirksville. These are the largest.
Kirksville Housing AuthorityKirksville 63501130 homes, 129 low-income · Run by Housing Authority of the City of Kirksville · Average payment: $366 a month · Average wait: 3 months · Homes at several sites(660) 665-8539
Fjeld Arms2016 Florence Pl, Kirksville 6350160 low-income homes · For families(660) 665-7260
Kirksville Heights Apartments2400 S Baltimore St, Kirksville 6350150 low-income homes · For older adults(660) 665-0088
Baltimore Meadows2203 N Baltimore St, Kirksville 6350148 homes, 43 low-income · 1 bd: 12 · 2 bd: 36 · In service since 2018 · For older adults
Kirksville Gardens1501 S Jamison St, Kirksville 6350142 low-income homes · 2 bd: 12 · 3 bd: 30 · In service since 2001
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 Adair 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 Kirksville or Adair County. The ones below are statewide in Missouri: they work in Kirksville 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 Kirksville or Adair 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 Kirksville and all of Adair 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 Kirksville?
The typical home value in Kirksville is $153,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adair County it is $165,700.
How much does it cost to rent in Kirksville?
Typical rent in Kirksville is $775 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Adair County is $962.
What is the FHA loan limit in Kirksville?
Kirksville uses the FHA limit for all of Adair 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 Kirksville?
The typical homeowner in Kirksville pays $1,306 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Adair County, the rate is 0.77%.
Where can I find free help to buy or rent in Kirksville?
We found no HUD-approved counseling agencies with an office in Adair County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
