City · 15,270 residents · Laclede County, Missouri
Lebanon, Missouri
In Lebanon, a typical home is worth $158,800 and typical rent is $809 a month. Compared with all of Laclede County, typical household income is 9% lower, the typical home value is 6% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $174,823 to $232,896.
Typical rent
$981a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lebanon is in Laclede 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 Laclede County. See the county
What this place has that others do not, from public data, most unusual first.
1
52% of households in Lebanon own their home, against 68% in Laclede County.
2
Lebanon has the 12th lowest typical household income of the 141 cities in Missouri with more than 5,000 people ($48,359).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lebanon
What homes there are in Lebanon, 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
Lebanon
Laclede County
Missouri
United States
Kind of home: Lebanon and its comparisons
Measure
Lebanon
Laclede County
Missouri
United States
Detached house
67%
71%
71%
61%
Attached house
6%
3%
4%
6%
Building of 2 to 4
12%
6%
8%
8%
Apartments (5 or more)
13%
6%
13%
19%
Mobile home
Unreliable estimate
14%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Lebanon, but it weighs less than in Laclede County: 67% against 71%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Lebanon
Laclede County
Missouri
United States
Year built: Lebanon and its comparisons
Measure
Lebanon
Laclede County
Missouri
United States
Before 1960
33%
23%
27%
26%
1960–1979
19%
21%
25%
24%
1980–1999
20%
28%
25%
25%
2000–2009
23%
18%
13%
14%
2010 or later
6%
9%
10%
11%
Homes in Lebanon are older: the typical year built is 1978; in Laclede County, 1984.
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 $100K22%
$100K–$200K51%
$200K–$300K15%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lebanon and its comparisons
Measure
Lebanon
Under $100K
22%
$100K–$200K
51%
$200K–$300K
15%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 95% of owner-occupied homes in Lebanon are worth less than $500,000, below the FHA loan limit for Laclede County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50019%
$500–$99948%
HUD fair market rent, 2 bedrooms: $998
$1,000–$1,49931%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lebanon and its comparisons
Measure
Lebanon
Under $500
19%
$500–$999
48%
$1,000–$1,499
31%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Laclede County is $998; about 67% of rents in Lebanon are below it.
With a mortgage
$1,106 a month
Laclede County: $1,160 a month
Without a mortgage
$418 a month
Laclede County: $405 a month
Owners with a mortgage
61%
Laclede County: 54%
In Lebanon, 61% of owners have a mortgage; their typical cost is $1,106 a month, about the same as in Laclede County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lebanon+59%
Laclede County+48%
Missouri+47%
United States+53%
Typical rent
Lebanon+22%
Laclede County+22%
Missouri+25%
United States+33%
Typical household income
Lebanon+21%
Laclede County+13%
Missouri+28%
United States+29%
Change since 2015–2019: Lebanon and its comparisons
Measure
Lebanon
Laclede County
Missouri
United States
Typical home value
+59%
+48%
+47%
+53%
Typical rent
+22%
+22%
+25%
+33%
Typical household income
+21%
+13%
+28%
+29%
The typical home value in Lebanon rose 59% since 2015–2019, more than in Laclede County (48%).
Much as in Laclede County, the typical rent in Lebanon rose 22% since 2015–2019.
While home values in Lebanon changed +59% and rent +22%, the typical household income rose 21%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lebanon and its comparisons
Measure
Lebanon
Laclede County
Missouri
United States
Rental vacancy
11.1%
10.5%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
2.0%
1.7%
3.4%
People per household
2.36
2.48
2.40
2.53
Drive alone
76%
78%
75%
69%
Carpool
17%
15%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
4%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Laclede County, the rental vacancy rate in Lebanon is 11.1%.
A household in Lebanon has 2.36 people on average, about the same as in Laclede County (2.48).
The car rules in Lebanon: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Lebanon?
A typical home is tight for the typical income
We start with a typical home in Lebanon, worth $158,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Lebanon, which is $48,359 a year. For that payment to be 28% of income, a household would need to earn about $55,198 a year.
The calculator's FHA and conventional loan limits are those of all of Laclede 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 Lebanon. 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 $5,558 (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
$1,288
at 7.18% · 30 years
Loan amount
$155,924
Total interest
$224,338
Paid off in
November 2056
Includes $2,682 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,128 a month
Tight
$1,128 to $1,451 a month
Your payment · 32%
Hard
more than $1,451 a month
Compared with the typical household income in Lebanon ($48,359 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,056
Property tax
$95
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,558 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 $1,288; principal and interest $1,056.
The city and its county
Lebanon and Laclede County
Lebanon is in Laclede 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).
Lebanon
Map of Laclede County, Missouri, with Lebanon marked. Around it, the neighboring counties.
Lebanon
Laclede County
Other cities with a page
Lebanon's own numbers
Typical home value
$158,800
Typical monthly rent
$809
Typical yearly household income
$48,359
Households that own their home
52%
Effective property tax rate
0.72%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Laclede County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$998
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
0.8%
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 Laclede County.
A typical home in Lebanon is worth $158,800: 6% below the county and 31% below Missouri. With the typical household income in Lebanon ($48,359 a year), a typical home costs 3.3 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.
Lebanon3.3 years
Laclede3.2 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Laclede County
According to FHFA’s house price index, home prices in Laclede County rose 96% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Laclede County.
Yearly change in FHFA’s price index in Laclede County, 2016 to 2025
2016: +2.5% +2.5% 2016
2017: +3.9% +3.9% 2017
2018: +3.0% +3.0% 2018
2019: +4.2% +4.2% 2019
2020: +3.1% +3.1% 2020
2021: +17.5% +17.5% 2021
2022: +19.4% +19.4% 2022
2023: +6.7% +6.7% 2023
2024: +3.4% +3.4% 2024
2025: +7.1% +7.1% 2025
Change in FHFA’s price index in Laclede County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+7.1%
+3.7%
+2.9%
5 years (2020–2025)
+66%
+51%
+47%
10 years (2015–2025)
+96%
+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
Lebanon next to Laclede 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
Lebanon$158,800
Laclede$168,400
Missouri$230,300
United States$332,700
Typical monthly rent
Lebanon$809
Laclede$809
Missouri$1,033
United States$1,413
Typical yearly household income
Lebanon$48,359
Laclede$53,282
Missouri$70,702
United States$80,734
See the full table
Lebanon next to Laclede County and Missouri
Measure
Lebanon
Laclede County
Missouri
U.S.
Typical home value
$158,800 ▼6% below the county
$168,400
$230,300
$332,700
Typical monthly rent
$809
$809
$1,033
$1,413
Typical yearly household income
$48,359 ▼9% below the county
$53,282
$70,702
$80,734
Households that own their home
52% ▼16 points below the county
68%
68%
65%
Typical yearly property tax
$1,138 ▲13% above the county
$1,011
$1,948
$3,119
Effective property tax rate
0.72% ▲0.12 points above the county
0.6%
0.85%
0.94%
Renters with high rent for their income
45% ▲6 points above the county
40%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Laclede 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 Lebanon
For a typical $158,800 home in Lebanon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lebanon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,288a month
Least cash to close
Down payment
$5,558
Cash to close
$10,322
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,259a month
Down payment
$7,940
Cash to close
$12,704
Rate
7.18%
Mortgage insurance
PMI · $75
Conventional, 20% down, no PMI$1,022a month
Down payment
$31,760
Cash to close
$36,524
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,169a month
Down payment
$23,820
Cash to close
$28,584
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lebanon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,288
$5,558
$155,924
7.18%
FHA MIP · $70
$10,322
580
Conventional, 5% down
$1,259
$7,940
$150,860
7.18%
PMI · $75
$12,704
620*
Conventional, 20% down, no PMI
$1,022
$31,760
$127,040
7.18%
None
$36,524
620*
ITIN, 15% down (example)
$1,169
$23,820
$134,980
8.18%
None
$28,584
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 Lebanon and for Laclede County.
Property tax
Effective rate in Lebanon
0.72%of the home’s value each year
$1,138 a year for the typical owner in Lebanon.
Lebanon0.72%
Laclede0.6%
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 Lebanon is $809 a month: about the same as the county. In Lebanon, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Laclede County, by unit size. To pay the 2-bedroom one ($998 a month) without spending more than 30% of your income, you would need to earn $19.19 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 Laclede County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$735
$14.13
$29,400
1 bedroom
$763
$14.67
$30,520
2 bedrooms
$998
$19.19
$39,920
3 bedrooms
$1,323
$25.44
$52,920
4 bedrooms
$1,638
$31.50
$65,520
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 Lebanon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lebanon is in ZIP code 65536.
For 2 bedrooms it is $1,020: $22 more than the fair market rent for Laclede County ($998).
Fair market rent by ZIP code and size in Lebanon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
65536
$750
$780
$1,020
$1,350
$1,680
ZIP code2 bd3 bd
65536 $1,020$1,350
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lebanon 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 13 buildings with rents for lower incomes in Lebanon. These are the largest.
Maple Village261 Harwood Ave, Lebanon 65536162 low-income homes · Run by Lebanon Housing Authority · Average payment: $370 a month · Average wait: 17 months(417) 532-4912
Monroe Estates411 Knight St, Lebanon 6553674 low-income homes · 1 bd: 46 · 2 bd: 20 · 3 bd: 8 · In service since 2002
Monroe Estates601 N Monroe St, Lebanon 6553674 low-income homes · For older adults(417) 588-1229
W.T. Vernon Housing207 N Madison Ave, Lebanon 6553666 low-income homes · For older adults(417) 532-9733
Lebanon Sundance Apts1035 Ivey Ln, Lebanon 6553640 low-income homes · 2 bd: 28 · 3 bd: 12 · In service since 1999
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 Laclede 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 Lebanon or Laclede County. The ones below are statewide in Missouri: they work in Lebanon 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 Lebanon or Laclede 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 Lebanon and all of Laclede 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 Lebanon?
The typical home value in Lebanon is $158,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Laclede County it is $168,400.
How much does it cost to rent in Lebanon?
Typical rent in Lebanon is $809 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Laclede County is $998.
What is the FHA loan limit in Lebanon?
Lebanon uses the FHA limit for all of Laclede 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 Lebanon?
The typical homeowner in Lebanon pays $1,138 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Laclede County, the rate is 0.6%.
Where can I find free help to buy or rent in Lebanon?
We found no HUD-approved counseling agencies with an office in Laclede County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
