City · 13,526 residents · Randolph County, Missouri
Moberly, Missouri
In Moberly, a typical home is worth $153,100 and typical rent is $774 a month. Compared with all of Randolph County, typical household income is 17% 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 $121,148 to $161,278.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Moberly is in Randolph 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 Randolph County. See the county
What this place has that others do not, from public data, most unusual first.
1
Moberly has the 6th lowest typical household income of the 141 cities in Missouri with more than 5,000 people ($44,145).
2
59% of households in Moberly own their home, against 71% in Randolph County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Moberly
What homes there are in Moberly, 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
Moberly
Randolph County
Missouri
United States
Kind of home: Moberly and its comparisons
Measure
Moberly
Randolph County
Missouri
United States
Detached house
74%
72%
71%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
15%
10%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
Unreliable estimate
13%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Moberly, 7 in 10 homes are single-family detached houses, about the same as in Randolph County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Moberly
Randolph County
Missouri
United States
Year built: Moberly and its comparisons
Measure
Moberly
Randolph County
Missouri
United States
Before 1960
44%
34%
27%
26%
1960–1979
27%
27%
25%
24%
1980–1999
15%
20%
25%
25%
2000–2009
7%
11%
13%
14%
2010 or later
7%
9%
10%
11%
In Moberly, half of the homes were built before 1965; in Randolph County, before 1974.
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 $100K34%
$100K–$200K40%
$200K–$300K17%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Moberly and its comparisons
Measure
Moberly
Under $100K
34%
$100K–$200K
40%
$200K–$300K
17%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 98% of owner-occupied homes in Moberly are worth less than $500,000, below the FHA loan limit for Randolph County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50020%
$500–$99954%
HUD fair market rent, 2 bedrooms: $962
$1,000–$1,49926%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Moberly and its comparisons
Measure
Moberly
Under $500
20%
$500–$999
54%
$1,000–$1,499
26%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 70% of rented homes in Moberly cost less than HUD's 2-bedroom fair market rent for Randolph County ($962).
With a mortgage
$1,169 a month
Randolph County: $1,199 a month
Without a mortgage
$470 a month
Randolph County: $475 a month
Owners with a mortgage
57%
Randolph County: 52%
In Moberly, 57% of owners have a mortgage; their typical cost is $1,169 a month, about the same as in Randolph County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Moberly+63%
Randolph County+52%
Missouri+47%
United States+53%
Typical rent
Moberly+27%
Randolph County+22%
Missouri+25%
United States+33%
Typical household income
Moberly+19%
Randolph CountyNo clear change
Missouri+28%
United States+29%
Change since 2015–2019: Moberly and its comparisons
Measure
Moberly
Randolph County
Missouri
United States
Typical home value
+63%
+52%
+47%
+53%
Typical rent
+27%
+22%
+25%
+33%
Typical household income
+19%
No clear change
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Moberly rose 63%; in Randolph County, it rose 52%.
The typical rent in Moberly rose 27% over the same time; in Randolph County, it rose 22%.
Housing prices ran ahead of income in Moberly: typical income rose 19%, against +63% for home values and +27% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Moberly and its comparisons
Measure
Moberly
Randolph 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
2.29
2.43
2.40
2.53
Drive alone
80%
81%
75%
69%
Carpool
12%
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
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 Moberly has 2.29 people, fewer than in Randolph County (2.43).
To get to work, 80% of workers in Moberly drive alone; in Randolph County, 81%.
Do the math
What would you pay each month for a home in Moberly?
A typical home is tight for the typical income
We start with a typical home in Moberly, worth $153,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Moberly, which is $44,145 a year. For that payment to be 28% of income, a household would need to earn about $53,709 a year.
The calculator's FHA and conventional loan limits are those of all of Randolph 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 Moberly. 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 $5,359 (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
$1,253
at 7.18% · 30 years
Loan amount
$150,326
Total interest
$216,285
Paid off in
November 2056
Includes $2,585 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,030 a month
Tight
$1,030 to $1,324 a month
Your payment · 34%
Hard
more than $1,324 a month
Compared with the typical household income in Moberly ($44,145 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,018
Property tax
$103
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,359 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 $1,253; principal and interest $1,018.
The city and its county
Moberly and Randolph County
Moberly is in Randolph 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).
Moberly
Map of Randolph County, Missouri, with Moberly marked. Around it, the neighboring counties.
Moberly
Randolph County
Moberly's own numbers
Typical home value
$153,100
Typical monthly rent
$774
Typical yearly household income
$44,145
Households that own their home
59%
Effective property tax rate
0.81%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Randolph 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)
+62%
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 Randolph County.
A typical home in Moberly is worth $153,100: 4% below the county and 34% below Missouri. With the typical household income in Moberly ($44,145 a year), a typical home costs 3.5 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.
Moberly3.5 years
Randolph3.0 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Randolph County
According to FHFA’s house price index, home prices in Randolph County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Randolph County.
Yearly change in FHFA’s price index in Randolph County, 2016 to 2025
2016: +1.2% +1.2% 2016
2017: +1.7% +1.7% 2017
2018: +8.3% +8.3% 2018
2019: +4.8% +4.8% 2019
2020: +1.7% +1.7% 2020
2021: +16.0% +16.0% 2021
2022: +14.4% +14.4% 2022
2023: +6.6% +6.6% 2023
2024: +9.0% +9.0% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Randolph County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+4.9%
+3.7%
+2.9%
5 years (2020–2025)
+62%
+51%
+47%
10 years (2015–2025)
+92%
+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
Moberly next to Randolph 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
Moberly$153,100
Randolph$159,300
Missouri$230,300
United States$332,700
Typical monthly rent
Moberly$774
Randolph$760
Missouri$1,033
United States$1,413
Typical yearly household income
Moberly$44,145
Randolph$53,033
Missouri$70,702
United States$80,734
See the full table
Moberly next to Randolph County and Missouri
Measure
Moberly
Randolph County
Missouri
U.S.
Typical home value
$153,100 ▼4% below the county
$159,300
$230,300
$332,700
Typical monthly rent
$774
$760
$1,033
$1,413
Typical yearly household income
$44,145 ▼17% below the county
$53,033
$70,702
$80,734
Households that own their home
59% ▼13 points below the county
71%
68%
65%
Typical yearly property tax
$1,238
$1,235
$1,948
$3,119
Effective property tax rate
0.81% ▲0.03 points above the county
0.78%
0.85%
0.94%
Renters with high rent for their income
48% ▲2 points above the county
46%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Randolph 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 Moberly
For a typical $153,100 home in Moberly, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moberly's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,253a month
Least cash to close
Down payment
$5,359
Cash to close
$9,952
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,225a month
Down payment
$7,655
Cash to close
$12,248
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$997a month
Down payment
$30,620
Cash to close
$35,213
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,138a month
Down payment
$22,965
Cash to close
$27,558
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Moberly
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,253
$5,359
$150,327
7.18%
FHA MIP · $68
$9,952
580
Conventional, 5% down
$1,225
$7,655
$145,445
7.18%
PMI · $73
$12,248
620*
Conventional, 20% down, no PMI
$997
$30,620
$122,480
7.18%
None
$35,213
620*
ITIN, 15% down (example)
$1,138
$22,965
$130,135
8.18%
None
$27,558
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 Moberly and for Randolph County.
Property tax
Effective rate in Moberly
0.81%of the home’s value each year
$1,238 a year for the typical owner in Moberly.
Moberly0.81%
Randolph0.78%
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 Moberly is $774 a month: about the same as the county. In Moberly, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Randolph 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 Randolph County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$709
$13.63
$28,360
1 bedroom
$742
$14.27
$29,680
2 bedrooms
$962
$18.50
$38,480
3 bedrooms
$1,332
$25.62
$53,280
4 bedrooms
$1,551
$29.83
$62,040
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 Moberly
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moberly is in ZIP code 65270.
For 2 bedrooms it is $990: $28 more than the fair market rent for Randolph County ($962).
Fair market rent by ZIP code and size in Moberly, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
65270
$730
$760
$990
$1,370
$1,600
ZIP code2 bd3 bd
65270 $990$1,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Moberly 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 6 buildings with rents for lower incomes in Moberly. These are the largest.
Allendale Manor + Countryview Gardens205 Farror St, Moberly 65270248 homes, 246 low-income · Run by Housing Authority of the City of Moberly · Average payment: $382 a month · Average wait: 4 months · Homes at several sites(660) 263-3950
Lucille Manor800 Sinnock Ave, Moberly 6527048 low-income homes · 1 bd: 48 · In service since 2011 · For older adults, people with disabilities(660) 263-8180
L.W. Case Apartments220 Taylor St, Moberly 6527046 low-income homes · For older adults(660) 263-2287
Country Villas Apts2251 Silva Ln, Moberly 6527044 low-income homes · 2 bd: 44 · In service since 2011 · For older adults, people with disabilities
Moberly Apts Phase II2105 Silva Ln, Moberly 6527024 low-income homes · 1 bd: 12 · 2 bd: 12 · In service since 2006 · 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 Randolph 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 Moberly or Randolph County. The ones below are statewide in Missouri: they work in Moberly 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 Moberly or Randolph 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 Moberly and all of Randolph 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 Moberly?
The typical home value in Moberly is $153,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Randolph County it is $159,300.
How much does it cost to rent in Moberly?
Typical rent in Moberly is $774 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Randolph County is $962.
What is the FHA loan limit in Moberly?
Moberly uses the FHA limit for all of Randolph 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 Moberly?
The typical homeowner in Moberly pays $1,238 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Randolph County, the rate is 0.78%.
Where can I find free help to buy or rent in Moberly?
We found no HUD-approved counseling agencies with an office in Randolph County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
