In Sedalia, a typical home is worth $143,000 and typical rent is $877 a month. Compared with all of Pettis County, typical household income is 16% lower, the typical home value is 14% 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 $134,957 to $186,725.
Typical rent
$1,147a month
▲ 8.3% more than 12 months ago
Typical rent from Zillow, June 2025 to September 2026: from $1,169 to $1,147.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sedalia is in Pettis 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 Pettis County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Clinton, the typical rent is $702: 20% less than in Sedalia ($877).
2
57% of households in Sedalia own their home, against 69% in Pettis County.
3
The typical household income in Sedalia is $50,990,16% less than in Pettis County as a whole ($60,430).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sedalia
What homes there are in Sedalia, 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
Sedalia
Pettis County
Missouri
United States
Kind of home: Sedalia and its comparisons
Measure
Sedalia
Pettis County
Missouri
United States
Detached house
73%
78%
71%
61%
Attached house
3%
3%
4%
6%
Building of 2 to 4
7%
5%
8%
8%
Apartments (5 or more)
16%
9%
13%
19%
Mobile home
Unreliable estimate
6%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Sedalia, 7 in 10 homes are single-family detached houses; in Pettis County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Sedalia
Pettis County
Missouri
United States
Year built: Sedalia and its comparisons
Measure
Sedalia
Pettis County
Missouri
United States
Before 1960
45%
34%
27%
26%
1960–1979
24%
25%
25%
24%
1980–1999
14%
21%
25%
25%
2000–2009
7%
10%
13%
14%
2010 or later
10%
10%
10%
11%
In Sedalia, half of the homes were built before 1964; in Pettis County, before 1974.
Homes in Sedalia are smaller: 53% have 3 bedrooms or more; in Pettis County, 63%.
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 $100K27%
$100K–$200K49%
$200K–$300K18%
$300K–$500K5%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sedalia and its comparisons
Measure
Sedalia
Under $100K
27%
$100K–$200K
49%
$200K–$300K
18%
$300K–$500K
5%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Sedalia sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50013%
$500–$99953%
$1,000–$1,49927%
HUD fair market rent, 2 bedrooms: $1,068
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sedalia and its comparisons
Measure
Sedalia
Under $500
13%
$500–$999
53%
$1,000–$1,499
27%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 69% of rented homes in Sedalia cost less than HUD's 2-bedroom fair market rent for Pettis County ($1,068).
With a mortgage
$1,119 a month
Pettis County: $1,211 a month
Without a mortgage
$423 a month
Pettis County: $444 a month
Owners with a mortgage
52%
Pettis County: 53%
The typical cost for an owner with a mortgage in Sedalia is $1,119 a month, less than in Pettis County ($1,211); without one, $423.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sedalia+58%
Pettis County+40%
Missouri+47%
United States+53%
Typical rent
Sedalia+25%
Pettis County+25%
Missouri+25%
United States+33%
Typical household income
Sedalia+28%
Pettis County+31%
Missouri+28%
United States+29%
Change since 2015–2019: Sedalia and its comparisons
Measure
Sedalia
Pettis County
Missouri
United States
Typical home value
+58%
+40%
+47%
+53%
Typical rent
+25%
+25%
+25%
+33%
Typical household income
+28%
+31%
+28%
+29%
Since 2015–2019, homes in Sedalia gained value faster than in Pettis County: 58% against 40%.
The typical rent in Sedalia rose 25% since 2015–2019, about the same as in Pettis County (25%).
While home values in Sedalia changed +58% and rent +25%, the typical household income rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sedalia and its comparisons
Measure
Sedalia
Pettis County
Missouri
United States
Rental vacancy
7.3%
8.7%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
2.2%
1.7%
3.4%
People per household
2.29
2.50
2.40
2.53
Drive alone
75%
76%
75%
69%
Carpool
15%
13%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
5%
7%
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
In Sedalia, the rental vacancy rate is 7.3%; in Pettis County, 8.7%.
On average, a household in Sedalia has 2.29 people, fewer than in Pettis County (2.50).
The car rules in Sedalia: 75% 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 Sedalia?
A typical home is within reach of the typical income
We start with a typical home in Sedalia, worth $143,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Sedalia, which is $50,990 a year.
The calculator's FHA and conventional loan limits are those of all of Pettis 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 Sedalia. 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 $5,005 (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
$1,166
at 7.18% · 30 years
Loan amount
$140,410
Total interest
$202,017
Paid off in
November 2056
Includes $2,415 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,190 a month
Your payment · 27%
Tight
$1,190 to $1,530 a month
Hard
more than $1,530 a month
Compared with the typical household income in Sedalia ($50,990 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$951
Property tax
$92
Home insurance
$60
FHA mortgage insurance (MIP)
$63
You need at least $5,005 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 $1,166; principal and interest $951.
The city and its county
Sedalia and Pettis County
Sedalia is in Pettis 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).
Sedalia
Map of Pettis County, Missouri, with Sedalia marked. Around it, the neighboring counties.
Sedalia
Pettis County
Other cities with a page
Sedalia's own numbers
Typical home value
$143,000
Typical monthly rent
$877
Typical yearly household income
$50,990
Households that own their home
57%
Effective property tax rate
0.77%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pettis County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,068
Price change over 5 years (FHFA)
+58%
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 Pettis County.
A typical home in Sedalia is worth $143,000: 14% below the county and 38% below Missouri. With the typical household income in Sedalia ($50,990 a year), a typical home costs 2.8 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.
Sedalia2.8 years
Pettis2.8 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pettis County
According to FHFA’s house price index, home prices in Pettis County rose 94% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pettis County.
Yearly change in FHFA’s price index in Pettis County, 2016 to 2025
2016: +4.5% +4.5% 2016
2017: +2.5% +2.5% 2017
2018: +6.3% +6.3% 2018
2019: +5.4% +5.4% 2019
2020: +2.7% +2.7% 2020
2021: +7.6% +7.6% 2021
2022: +19.1% +19.1% 2022
2023: +7.9% +7.9% 2023
2024: +2.0% +2.0% 2024
2025: +11.8% +11.8% 2025
Change in FHFA’s price index in Pettis County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+11.8%
+3.7%
+2.9%
5 years (2020–2025)
+58%
+51%
+47%
10 years (2015–2025)
+94%
+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
Sedalia next to Pettis 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
Sedalia$143,000
Pettis$166,300
Missouri$230,300
United States$332,700
Typical monthly rent
Sedalia$877
Pettis$885
Missouri$1,033
United States$1,413
Typical yearly household income
Sedalia$50,990
Pettis$60,430
Missouri$70,702
United States$80,734
See the full table
Sedalia next to Pettis County and Missouri
Measure
Sedalia
Pettis County
Missouri
U.S.
Typical home value
$143,000 ▼14% below the county
$166,300
$230,300
$332,700
Typical monthly rent
$877
$885
$1,033
$1,413
Typical yearly household income
$50,990 ▼16% below the county
$60,430
$70,702
$80,734
Households that own their home
57% ▼13 points below the county
69%
68%
65%
Typical yearly property tax
$1,098 ▼15% below the county
$1,289
$1,948
$3,119
Effective property tax rate
0.77% ▼0.01 points below the county
0.78%
0.85%
0.94%
Renters with high rent for their income
46% ▲3 points above the county
43%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pettis 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 Sedalia
For a typical $143,000 home in Sedalia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sedalia's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,166a month
Least cash to close
Down payment
$5,005
Cash to close
$9,295
Rate
7.18%
Mortgage insurance
FHA MIP · $63
Conventional, 5% down$1,140a month
Down payment
$7,150
Cash to close
$11,440
Rate
7.18%
Mortgage insurance
PMI · $68
Conventional, 20% down, no PMI$926a month
Down payment
$28,600
Cash to close
$32,890
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,059a month
Down payment
$21,450
Cash to close
$25,740
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sedalia
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,166
$5,005
$140,410
7.18%
FHA MIP · $63
$9,295
580
Conventional, 5% down
$1,140
$7,150
$135,850
7.18%
PMI · $68
$11,440
620*
Conventional, 20% down, no PMI
$926
$28,600
$114,400
7.18%
None
$32,890
620*
ITIN, 15% down (example)
$1,059
$21,450
$121,550
8.18%
None
$25,740
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 Sedalia and for Pettis County.
Property tax
Effective rate in Sedalia
0.77%of the home’s value each year
$1,098 a year for the typical owner in Sedalia.
Sedalia0.77%
Pettis0.78%
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 Sedalia is $877 a month: about the same as the county. In Sedalia, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pettis County, by unit size. To pay the 2-bedroom one ($1,068 a month) without spending more than 30% of your income, you would need to earn $20.54 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 Pettis County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$816
$15.69
$32,640
1 bedroom
$821
$15.79
$32,840
2 bedrooms
$1,068
$20.54
$42,720
3 bedrooms
$1,403
$26.98
$56,120
4 bedrooms
$1,521
$29.25
$60,840
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 Sedalia
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sedalia is in ZIP code 65301.
For 2 bedrooms it is $1,080: $12 more than the fair market rent for Pettis County ($1,068).
Fair market rent by ZIP code and size in Sedalia, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
65301
$820
$830
$1,080
$1,420
$1,540
ZIP code2 bd3 bd
65301 $1,080$1,420
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sedalia 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 Sedalia. These are the largest.
Casa Loma & Anthony Buckner229 Scott Joplin Ct, Sedalia 65301200 homes, 193 low-income · Run by Housing Authority of the City of Sedalia, MO · Average payment: $340 a month · Average wait: 11 months · Homes at several sites(660) 827-1400
Liberty and Tambo Apartments1400 Liberty Park Blvd, Sedalia 6530176 low-income homes · For older adults(660) 827-3161
Fourth & Ohio224 S Ohio Ave, Sedalia 6530168 homes, 62 low-income · In service since 1989
Olsen West883 Olsen Rd, Sedalia 6530152 low-income homes · For older adults(660) 827-2484
Sedalia Heights900 Westwood Dr, Sedalia 6530148 low-income homes · 2 bd: 36 · 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 Pettis 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 Sedalia or Pettis County. The ones below are statewide in Missouri: they work in Sedalia 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 Sedalia or Pettis 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 Sedalia and all of Pettis 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 Sedalia?
The typical home value in Sedalia is $143,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pettis County it is $166,300.
How much does it cost to rent in Sedalia?
Typical rent in Sedalia is $877 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pettis County is $1,068.
What is the FHA loan limit in Sedalia?
Sedalia uses the FHA limit for all of Pettis 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 Sedalia?
The typical homeowner in Sedalia pays $1,098 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Pettis County, the rate is 0.78%.
Where can I find free help to buy or rent in Sedalia?
We found no HUD-approved counseling agencies with an office in Pettis County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
