In Macon, a typical home is worth $151,800 and typical rent is $680 a month. Compared with all of Macon County, the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $138,836 to $186,175.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Macon is in Macon 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 Macon County. See the county
What this place has that others do not, from public data, most unusual first.
1
Macon has the 3rd lowest typical rent of the 138 cities in Missouri with more than 5,000 people ($680).
2
66% of households in Macon own their home, against 77% in Macon County.
3
9% of households in Macon have no internet at home (16% in Macon County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Macon
What homes there are in Macon, 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
Macon
Macon County
Missouri
United States
Kind of home: Macon and its comparisons
Measure
Macon
Macon County
Missouri
United States
Detached house
75%
80%
71%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
15%
9%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
Unreliable estimate
9%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Macon, 8 in 10 homes are single-family detached houses; in Macon County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Macon
Macon County
Missouri
United States
Year built: Macon and its comparisons
Measure
Macon
Macon County
Missouri
United States
Before 1960
34%
33%
27%
26%
1960–1979
34%
29%
25%
24%
1980–1999
18%
20%
25%
25%
2000–2009
9%
12%
13%
14%
2010 or later
Unreliable estimate
6%
10%
11%
The typical year built in Macon is 1970, about the same as in Macon County (1972).
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 $100K33%
$100K–$200K41%
$200K–$300K10%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Macon and its comparisons
Measure
Macon
Under $100K
33%
$100K–$200K
41%
$200K–$300K
10%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 94% of owner-occupied homes in Macon sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50020%
$500–$99968%
$1,000–$1,499Unreliable
HUD fair market rent, 2 bedrooms: $1,018
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Macon and its comparisons
Measure
Macon
Under $500
20%
$500–$999
68%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a HUD fair market rent of $1,018 for 2 bedrooms, at least 88% of rented homes in Macon sit below it.
With a mortgage
$1,091 a month
Macon County: $1,104 a month
Without a mortgage
$499 a month
Macon County: $479 a month
Owners with a mortgage
55%
Macon County: 47%
The typical cost for an owner with a mortgage in Macon is $1,091 a month, near the figure in Macon County ($1,104).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Macon+60%
Macon County+53%
Missouri+47%
United States+53%
Typical rent
MaconNo clear change
Macon County+22%
Missouri+25%
United States+33%
Typical household income
Macon+67%
Macon County+46%
Missouri+28%
United States+29%
Change since 2015–2019: Macon and its comparisons
Measure
Macon
Macon County
Missouri
United States
Typical home value
+60%
+53%
+47%
+53%
Typical rent
No clear change
+22%
+25%
+33%
Typical household income
+67%
+46%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Macon rose 60%; in Macon County, it rose 53%.
The typical rent in Macon stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Macon and its comparisons
Measure
Macon
Macon 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
2.18
2.46
2.40
2.53
Drive alone
85%
78%
75%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
10%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Macon has 2.18 people, fewer than in Macon County (2.46).
To get to work, 85% of workers in Macon drive alone; in Macon County, 78%.
Do the math
What would you pay each month for a home in Macon?
A typical home is within reach of the typical income
We start with a typical home in Macon, worth $151,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Macon, which is $61,642 a year.
The calculator's FHA and conventional loan limits are those of all of Macon 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 Macon. 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 $5,313 (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
$1,225
at 7.18% · 30 years
Loan amount
$149,051
Total interest
$214,449
Paid off in
November 2056
Includes $2,564 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,438 a month
Your payment · 24%
Tight
$1,438 to $1,849 a month
Hard
more than $1,849 a month
Compared with the typical household income in Macon ($61,642 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,010
Property tax
$85
Home insurance
$63
FHA mortgage insurance (MIP)
$67
You need at least $5,313 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 $1,225; principal and interest $1,010.
The city and its county
Macon and Macon County
Macon is in Macon 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).
Macon
Map of Macon County, Missouri, with Macon marked. Around it, the neighboring counties.
Macon
Macon County
Macon's own numbers
Typical home value
$151,800
Typical monthly rent
$680
Typical yearly household income
$61,642
Households that own their home
66%
Effective property tax rate
0.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Macon County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,018
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.5%
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 Macon County.
A typical home in Macon is worth $151,800: about the same as the county and 34% below Missouri. With the typical household income in Macon ($61,642 a year), a typical home costs 2.5 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.
Macon2.5 years
County2.4 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Macon County
According to FHFA’s house price index, home prices in Macon County rose 71% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Macon County.
Yearly change in FHFA’s price index in Macon County, 2016 to 2025
2016: −1.6% −1.6% 2016
2017: +6.2% +6.2% 2017
2018: −0.1% −0.1% 2018
2019: +1.0% +1.0% 2019
2020: +5.5% +5.5% 2020
2021: +14.0% +14.0% 2021
2022: +1.0% +1.0% 2022
2023: +17.7% +17.7% 2023
2024: +7.4% +7.4% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in Macon County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+5.8%
+3.7%
+2.9%
5 years (2020–2025)
+54%
+51%
+47%
10 years (2015–2025)
+71%
+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
Macon next to Macon 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
Macon$151,800
County$149,100
Missouri$230,300
United States$332,700
Typical monthly rent
Macon$680
County$672
Missouri$1,033
United States$1,413
Typical yearly household income
Macon$61,642
County$62,357
Missouri$70,702
United States$80,734
See the full table
Macon next to Macon County and Missouri
Measure
Macon
Macon County
Missouri
U.S.
Typical home value
$151,800
$149,100
$230,300
$332,700
Typical monthly rent
$680
$672
$1,033
$1,413
Typical yearly household income
$61,642
$62,357
$70,702
$80,734
Households that own their home
66% ▼11 points below the county
77%
68%
65%
Typical yearly property tax
$1,024
$1,035
$1,948
$3,119
Effective property tax rate
0.67% ▼0.02 points below the county
0.69%
0.85%
0.94%
Renters with high rent for their income
51% ▲6 points above the county
44%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Macon 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 Macon
For a typical $151,800 home in Macon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Macon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,225a month
Least cash to close
Down payment
$5,313
Cash to close
$9,867
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,197a month
Down payment
$7,590
Cash to close
$12,144
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$971a month
Down payment
$30,360
Cash to close
$34,914
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,111a month
Down payment
$22,770
Cash to close
$27,324
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Macon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,225
$5,313
$149,051
7.18%
FHA MIP · $67
$9,867
580
Conventional, 5% down
$1,197
$7,590
$144,210
7.18%
PMI · $72
$12,144
620*
Conventional, 20% down, no PMI
$971
$30,360
$121,440
7.18%
None
$34,914
620*
ITIN, 15% down (example)
$1,111
$22,770
$129,030
8.18%
None
$27,324
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 Macon and for Macon County.
Property tax
Effective rate in Macon
0.67%of the home’s value each year
$1,024 a year for the typical owner in Macon.
Macon0.67%
County0.69%
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 Macon is $680 a month: about the same as the county. In Macon, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Macon County, by unit size. To pay the 2-bedroom one ($1,018 a month) without spending more than 30% of your income, you would need to earn $19.58 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 Macon County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$750
$14.42
$30,000
1 bedroom
$778
$14.96
$31,120
2 bedrooms
$1,018
$19.58
$40,720
3 bedrooms
$1,223
$23.52
$48,920
4 bedrooms
$1,494
$28.73
$59,760
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 Macon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Macon is in ZIP code 63552.
For 2 bedrooms it is $1,030: $12 more than the fair market rent for Macon County ($1,018).
Fair market rent by ZIP code and size in Macon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63552
$760
$790
$1,030
$1,240
$1,510
ZIP code2 bd3 bd
63552 $1,030$1,240
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Macon 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 3 buildings with rents for lower incomes in Macon. These are the largest.
Macon1404 S Missouri St, Macon 63552105 low-income homes · Run by Housing Authority of the City of Macon · Average payment: $367 a month · Average wait: 5 months(660) 385-5781
Alexandra Pointe801 Ranchland Dr, Macon 6355247 low-income homes · 1 bd: 23 · 2 bd: 24 · In service since 2013 · For people with disabilities, families
Ranchland Garden Apts700 Ranchland Dr, Macon 6355224 low-income homes · 1 bd: 8 · 2 bd: 16 · In service since 1993
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 Macon 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 Macon or Macon County. The ones below are statewide in Missouri: they work in Macon 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 Macon or Macon 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 Macon and all of Macon 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 Macon?
The typical home value in Macon is $151,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macon County it is $149,100.
How much does it cost to rent in Macon?
Typical rent in Macon is $680 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Macon County is $1,018.
What is the FHA loan limit in Macon?
Macon uses the FHA limit for all of Macon 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 Macon?
The typical homeowner in Macon pays $1,024 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Macon County, the rate is 0.69%.
Where can I find free help to buy or rent in Macon?
We found no HUD-approved counseling agencies with an office in Macon County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
