In Savannah, a typical home is worth $161,500 and typical rent is $852 a month. Compared with all of Andrew County, the typical home value is 25% lower, typical household income is 17% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $206,366 to $267,445.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Savannah is in Andrew 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 Andrew County. See the county
What this place has that others do not, from public data, most unusual first.
1
63% of households in Savannah own their home, against 77% in Andrew County.
2
The typical home in Savannah is worth $161,500,25% less than in Andrew County as a whole ($215,400).
3
The typical household income in Savannah is $62,535,17% less than in Andrew County as a whole ($75,625).
4
Savannah has the 13th smallest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (32%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Savannah
What homes there are in Savannah, 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
Savannah
Andrew County
Missouri
United States
Kind of home: Savannah and its comparisons
Measure
Savannah
Andrew County
Missouri
United States
Detached house
76%
83%
71%
61%
Attached house
Unreliable estimate
3%
4%
6%
Building of 2 to 4
11%
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
Unreliable estimate
7%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Savannah, but it weighs less than in Andrew County: 76% against 83%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Savannah
Andrew County
Missouri
United States
Year built: Savannah and its comparisons
Measure
Savannah
Andrew County
Missouri
United States
Before 1960
27%
25%
27%
26%
1960–1979
31%
26%
25%
24%
1980–1999
30%
30%
25%
25%
2000–2009
7%
11%
13%
14%
2010 or later
Unreliable estimate
9%
10%
11%
In Savannah, half of the homes were built before 1976; in Andrew County, before 1980.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K54%
$200K–$300K17%
$300K–$500K9%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Savannah and its comparisons
Measure
Savannah
Under $100K
Unreliable estimate
$100K–$200K
54%
$200K–$300K
17%
$300K–$500K
9%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99966%
$1,000–$1,49927%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Savannah and its comparisons
Measure
Savannah
Under $500
Unreliable estimate
$500–$999
66%
$1,000–$1,499
27%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,216 a month
Andrew County: $1,396 a month
Without a mortgage
$538 a month
Andrew County: $556 a month
Owners with a mortgage
60%
Andrew County: 52%
The typical cost for an owner with a mortgage in Savannah is $1,216 a month, less than in Andrew County ($1,396); without one, $538.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Savannah+42%
Andrew County+46%
Missouri+47%
United States+53%
Typical rent
SavannahNo clear change
Andrew County+20%
Missouri+25%
United States+33%
Typical household income
Savannah+28%
Andrew County+29%
Missouri+28%
United States+29%
Change since 2015–2019: Savannah and its comparisons
Measure
Savannah
Andrew County
Missouri
United States
Typical home value
+42%
+46%
+47%
+53%
Typical rent
No clear change
+20%
+25%
+33%
Typical household income
+28%
+29%
+28%
+29%
The typical home value in Savannah rose 42% since 2015–2019, less than in Andrew County (46%).
Since 2015–2019, the typical rent in Savannah did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Savannah and its comparisons
Measure
Savannah
Andrew 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
2.31
2.56
2.40
2.53
Drive alone
83%
84%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
7%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.31 on average, against 2.56 in Andrew County.
To get to work, 83% of workers in Savannah drive alone; in Andrew County, 84%.
Do the math
What would you pay each month for a home in Savannah?
A typical home is within reach of the typical income
We start with a typical home in Savannah, worth $161,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Savannah, which is $62,535 a year.
The calculator's FHA and conventional loan limits are those of all of Andrew 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 Savannah. 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 $5,653 (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
$1,323
at 7.18% · 30 years
Loan amount
$158,574
Total interest
$228,151
Paid off in
November 2056
Includes $2,727 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,459 a month
Your payment · 25%
Tight
$1,459 to $1,876 a month
Hard
more than $1,876 a month
Compared with the typical household income in Savannah ($62,535 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,074
Property tax
$110
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,653 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 $1,323; principal and interest $1,074.
The city and its county
Savannah and Andrew County
Savannah is in Andrew 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).
Savannah
Map of Andrew County, Missouri, with Savannah marked. Around it, the neighboring counties.
Savannah
Andrew County
Savannah's own numbers
Typical home value
$161,500
Typical monthly rent
$852
Typical yearly household income
$62,535
Households that own their home
63%
Effective property tax rate
0.82%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Andrew County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,101
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
3.9%
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 Andrew County.
A typical home in Savannah is worth $161,500: 25% below the county and 30% below Missouri. With the typical household income in Savannah ($62,535 a year), a typical home costs 2.6 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.
Savannah2.6 years
Andrew2.8 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Andrew County
According to FHFA’s house price index, home prices in Andrew County rose 89% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Andrew County.
Yearly change in FHFA’s price index in Andrew County, 2016 to 2025
2016: +5.3% +5.3% 2016
2017: +2.7% +2.7% 2017
2018: +4.8% +4.8% 2018
2019: +1.6% +1.6% 2019
2020: +6.2% +6.2% 2020
2021: +9.0% +9.0% 2021
2022: +12.9% +12.9% 2022
2023: +13.1% +13.1% 2023
2024: +9.6% +9.6% 2024
2025: +1.7% +1.7% 2025
Change in FHFA’s price index in Andrew County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+1.7%
+3.7%
+2.9%
5 years (2020–2025)
+55%
+51%
+47%
10 years (2015–2025)
+89%
+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
Savannah next to Andrew 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
Savannah$161,500
Andrew$215,400
Missouri$230,300
United States$332,700
Typical monthly rent
Savannah$852
Andrew$961
Missouri$1,033
United States$1,413
Typical yearly household income
Savannah$62,535
Andrew$75,625
Missouri$70,702
United States$80,734
See the full table
Savannah next to Andrew County and Missouri
Measure
Savannah
Andrew County
Missouri
U.S.
Typical home value
$161,500 ▼25% below the county
$215,400
$230,300
$332,700
Typical monthly rent
$852 ▼11% below the county
$961
$1,033
$1,413
Typical yearly household income
$62,535 ▼17% below the county
$75,625
$70,702
$80,734
Households that own their home
63% ▼14 points below the county
77%
68%
65%
Typical yearly property tax
$1,318 ▼16% below the county
$1,568
$1,948
$3,119
Effective property tax rate
0.82% ▲0.09 points above the county
0.73%
0.85%
0.94%
Renters with high rent for their income
32% ▼7 points below the county
39%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Andrew 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 Savannah
For a typical $161,500 home in Savannah, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Savannah's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,323a month
Least cash to close
Down payment
$5,653
Cash to close
$10,498
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,294a month
Down payment
$8,075
Cash to close
$12,920
Rate
7.18%
Mortgage insurance
PMI · $77
Conventional, 20% down, no PMI$1,053a month
Down payment
$32,300
Cash to close
$37,145
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,202a month
Down payment
$24,225
Cash to close
$29,070
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Savannah
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,323
$5,653
$158,575
7.18%
FHA MIP · $71
$10,498
580
Conventional, 5% down
$1,294
$8,075
$153,425
7.18%
PMI · $77
$12,920
620*
Conventional, 20% down, no PMI
$1,053
$32,300
$129,200
7.18%
None
$37,145
620*
ITIN, 15% down (example)
$1,202
$24,225
$137,275
8.18%
None
$29,070
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 Savannah and for Andrew County.
Property tax
Effective rate in Savannah
0.82%of the home’s value each year
$1,318 a year for the typical owner in Savannah.
Savannah0.82%
Andrew0.73%
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 Savannah is $852 a month: 11% below the county. In Savannah, 32% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Andrew County, by unit size. To pay the 2-bedroom one ($1,101 a month) without spending more than 30% of your income, you would need to earn $21.17 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 Andrew County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$850
$16.35
$34,000
1 bedroom
$857
$16.48
$34,280
2 bedrooms
$1,101
$21.17
$44,040
3 bedrooms
$1,406
$27.04
$56,240
4 bedrooms
$1,629
$31.33
$65,160
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 Savannah
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Savannah is in ZIP code 64485.
For 2 bedrooms it is $1,040: $61 less than the fair market rent for Andrew County ($1,101).
Fair market rent by ZIP code and size in Savannah, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
64485
$800
$810
$1,040
$1,330
$1,540
ZIP code2 bd3 bd
64485 $1,040$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 Savannah 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)
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 Andrew 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 Savannah or Andrew County. The ones below are statewide in Missouri: they work in Savannah 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 Savannah or Andrew 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 Savannah and all of Andrew 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 Savannah?
The typical home value in Savannah is $161,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Andrew County it is $215,400.
How much does it cost to rent in Savannah?
Typical rent in Savannah is $852 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Andrew County is $1,101.
What is the FHA loan limit in Savannah?
Savannah uses the FHA limit for all of Andrew 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 Savannah?
The typical homeowner in Savannah pays $1,318 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Andrew County, the rate is 0.73%.
Where can I find free help to buy or rent in Savannah?
We found no HUD-approved counseling agencies with an office in Andrew County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
