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City · 7,475 residents · Franklin County, Missouri

Pacific , Missouri

In Pacific, a typical home is worth $249,300 and typical rent is $906 a month. Compared with all of Franklin County, typical household income is 14% lower, the typical home value is 10% higher, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $249,300

    10% above the county

    8% above Missouri

    • Pacific
    • Franklin
    • Missouri

  • Typical rent

    $906a month

    About the same as the county

    12% below Missouri

    • Pacific
    • Franklin
    • Missouri

  • Typical household income

    $62,860a year

    14% below the county

    11% below Missouri

    • Pacific
    • Franklin
    • Missouri

  • Households that own their home

    65%

    12 points below the county

    3 points below Missouri

    • Pacific
    • Franklin
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$247,312
4.3% more than 12 months ago

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

Pacific is in Franklin 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 Franklin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pacific apart

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

  1. Nearby, in Union, the typical home value is $205,200: 18% less than in Pacific ($249,300).

  2. 65% of households in Pacific own their home, against 77% in Franklin County.

  3. Pacific has the 11th largest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (62%).

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

The homes here

Housing in Pacific

What homes there are in Pacific, 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 Pacific, but it weighs less than in Franklin County: 66% against 76%.

Year built

The typical year built in Pacific is 1985, about the same as in Franklin County (1984).

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
Monthly rent with utilities

With a mortgage

$1,518 a month

Franklin County: $1,442 a month

Without a mortgage

$512 a month

Franklin County: $505 a month

Owners with a mortgage

70%

Franklin County: 60%

The typical cost for an owner with a mortgage in Pacific is $1,518 a month, more than in Franklin County ($1,442); without one, $512.

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 Pacific rose 73% since 2015–2019, more than in Franklin County (37%).

The typical rent in Pacific rose 30% over the same time; in Franklin County, it rose 20%.

While home values in Pacific changed +73% and rent +30%, the typical household income rose 28%.

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

MeasurePacificFranklin CountyMissouriUnited States
Rental vacancy Unreliable estimate6.4%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.3%1.7%3.4%
People per household 2.092.442.402.53
Drive alone 84%78%75%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 11%10%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Pacific has 2.09 people, fewer than in Franklin County (2.44).

In Pacific, 84% of workers drive alone to work; in Franklin County, 78%.

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 Pacific?

A typical home costs more than the typical income allows

We start with a typical home in Pacific, worth $249,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Pacific, which is $62,860 a year. For that payment to be 28% of income, a household would need to earn about $88,526 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pacific. 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 $8,726 (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

$2,066

at 7.18% · 30 years

Loan amount
$244,784
Total interest
$352,187
Paid off in
November 2056

Includes $4,210 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,467 a month

  • Tight

    $1,467 to $1,886 a month

  • Hard

    more than $1,886 a month

    Your payment · 39%

Compared with the typical household income in Pacific ($62,860 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,066
Principal & interest$1,658
Property tax$193
Home insurance$104
FHA mortgage insurance (MIP)$110

You need at least $8,726 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

Pacific and Franklin County

Pacific is in Franklin 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).

Pacific's own numbers

Typical home value
$249,300
Typical monthly rent
$906
Typical yearly household income
$62,860
Households that own their home
65%
Effective property tax rate
0.93%

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

Numbers for all of Franklin County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
1.8%

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 Franklin County.

Everything about Franklin County

Buying

Buying a home in Pacific

A typical home in Pacific is worth $249,300: 10% above the county and 8% above Missouri. With the typical household income in Pacific ($62,860 a year), a typical home costs 4.0 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.

  • Pacific 4.0 years
  • Franklin 3.1 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Franklin County

According to FHFA’s house price index, home prices in Franklin County rose 82% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +6.3% +3.7% +2.9%
5 years (2020–2025) +53% +51% +47%
10 years (2015–2025) +82% +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

Pacific next to Franklin 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
  • Pacific $249,300
  • Franklin $227,600
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Pacific $906
  • Franklin $893
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Pacific $62,860
  • Franklin $73,165
  • Missouri $70,702
  • United States $80,734
See the full table
Pacific next to Franklin County and Missouri
Measure Pacific Franklin County Missouri U.S.
Typical home value $249,300 $227,600 $230,300 $332,700
Typical monthly rent $906 $893 $1,033 $1,413
Typical yearly household income $62,860 $73,165 $70,702 $80,734
Households that own their home 65% 77% 68% 65%
Typical yearly property tax $2,328 $1,813 $1,948 $3,119
Effective property tax rate 0.93% 0.8% 0.85% 0.94%
Renters with high rent for their income 62% 40% 46% 51%

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

For a typical $249,300 home in Pacific, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pacific's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,066a month

    Least cash to close
    Down payment
    $8,726
    Cash to close
    $16,205
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $110

  • Conventional, 5% down $2,020a month

    Down payment
    $12,465
    Cash to close
    $19,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $118

  • Conventional, 20% down, no PMI $1,648a month

    Down payment
    $49,860
    Cash to close
    $57,339
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,879a month

    Down payment
    $37,395
    Cash to close
    $44,874
    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 Pacific and for Franklin County.

Property tax

Effective rate in Pacific

0.93%of the home’s value each year

$2,328 a year for the typical owner in Pacific.

  • Pacific 0.93%
  • Franklin 0.8%
  • 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 Franklin County

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

Homes in the high-risk zone
1.8%
804
Of those, with NFIP insurance
14%
County Missouri U.S.
Homes in the high-risk zone 1.8% 1.6% 3.5%
Of those, with NFIP insurance 14% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pacific

Typical rent in Pacific is $906 a month: about the same as the county. In Pacific, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Franklin County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.

HUD fair market rent for all of Franklin 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 $1,064 $20.46 $42,560
1 bedroom $1,104 $21.23 $44,160
2 bedrooms $1,349 $25.94 $53,960
3 bedrooms $1,731 $33.29 $69,240
4 bedrooms $1,997 $38.40 $79,880

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 Pacific

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pacific is in ZIP code 63069.

For 2 bedrooms it is $1,100: $249 less than the fair market rent for Franklin County ($1,349).

  • 63069 $1,100$1,410

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pacific 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 Pacific

HUD lists 7 buildings with rents for lower incomes in Pacific. These are the largest.

  • Osage Estates 2615 Lisa Ln, Pacific 63069 72 low-income homes · 1 bd: 12 · 2 bd: 48 · 3 bd: 12 · In service since 1995
  • Summit Valley 127 Summit Valley Loop, Pacific 63069 48 homes, 44 low-income · 1 bd: 12 · 2 bd: 36 · In service since 2006 · For people with disabilities, families
  • Millstone Village Apts 300 Millstone Village Dr, Pacific 63069 44 low-income homes · 2 bd: 44 · In service since 2005 · For older adults, people with disabilities
  • Summit Valley 3 155 Summit Valley Loop, Pacific 63069 24 homes, 20 low-income · 2 bd: 24 · In service since 2009 · For people with disabilities, families
  • Flier Drive Estates 130 W Flier Dr, Pacific 63069 18 low-income homes · 1 bd: 2 · 2 bd: 16 · In service since 1999

See all 26 buildings in Franklin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pacific

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Pacific

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

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

  • The Housing Partnership, Inc.

    729 Lemay Ferry Rd, Saint Louis · 26 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (314) 631-9905

  • Community Action Agency of ST. Louis County, Inc. (CAASTLC)

    2709 Woodson Rd, Saint Louis · 26 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (314) 863-0015

  • NSC (naca Counseling Subsidiary) - ST. Louis, MO

    1300 Hampton Avenue suite 101, Saint Louis · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (314) 645-8333

All counseling agencies in Missouri

Help in Spanish near Pacific

1 of the 3 agencies on this list says it serves 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 Pacific

HUD lists no housing authority with an office in Franklin County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Missouri Source: HUD

Cities

Other cities in Franklin County

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

Everything about Franklin County Housing in Missouri

Nearby cities

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

Neighboring counties

If Franklin 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 Pacific.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Pacific

Short answers with the numbers for Pacific and all of Franklin 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 Pacific?

The typical home value in Pacific is $249,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $227,600.

How much does it cost to rent in Pacific?

Typical rent in Pacific is $906 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $1,349.

What is the FHA loan limit in Pacific?

Pacific uses the FHA limit for all of Franklin 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 Pacific?

The typical homeowner in Pacific pays $2,328 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Franklin County, the rate is 0.8%.

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

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