City · 169,954 residents · Greene County, Missouri
Springfield, Missouri
In Springfield, a typical home is worth $177,700 and typical rent is $964 a month. Compared with all of Greene County, typical household income is 20% lower, the typical home value is 20% 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 $186,663 to $243,597.
Typical rent
$1,192a month
▲ 6% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $928 to $1,192.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Springfield is in Greene 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 Greene County. See the county
What this place has that others do not, from public data, most unusual first.
1
Springfield has the 4th lowest homeownership rate of the 142 cities in Missouri with more than 5,000 people (44%).
2
The typical household income in Springfield is $49,311,20% less than in Greene County as a whole ($61,479).
3
The typical home in Springfield is worth $177,700,20% less than in Greene County as a whole ($221,300).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Springfield
What homes there are in Springfield, 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
Springfield
Greene County
Missouri
United States
Kind of home: Springfield and its comparisons
Measure
Springfield
Greene County
Missouri
United States
Detached house
60%
70%
71%
61%
Attached house
3%
3%
4%
6%
Building of 2 to 4
6%
5%
8%
8%
Apartments (5 or more)
29%
20%
13%
19%
Mobile home
2%
2%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Springfield (60%), but less so than in Greene County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Springfield
Greene County
Missouri
United States
Year built: Springfield and its comparisons
Measure
Springfield
Greene County
Missouri
United States
Before 1960
29%
21%
27%
26%
1960–1979
29%
26%
25%
24%
1980–1999
23%
26%
25%
25%
2000–2009
10%
16%
13%
14%
2010 or later
8%
11%
10%
11%
In Springfield, half of the homes were built before 1975; in Greene County, before 1982.
Homes in Springfield are smaller: 46% have 3 bedrooms or more; in Greene County, 60%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K20%
$100K–$200K37%
$200K–$300K25%
$300K–$500K13%
$500K–$750K4%
FHA limit: $541,287
$750K–$1M1%
$1M or more1%
Value of owner-occupied homes: Springfield and its comparisons
Measure
Springfield
Under $100K
20%
$100K–$200K
37%
$200K–$300K
25%
$300K–$500K
13%
$500K–$750K
4%
$750K–$1M
1%
$1M or more
1%
The FHA loan limit for Greene County is $541,287, and about 96% of owner-occupied homes in Springfield are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99949%
$1,000–$1,49935%
HUD fair market rent, 2 bedrooms: $1,113
$1,500–$1,9997%
$2,000–$2,4992%
$2,500–$2,999Unreliable
$3,000 or more1%
Monthly rent with utilities: Springfield and its comparisons
Measure
Springfield
Under $500
6%
$500–$999
49%
$1,000–$1,499
35%
$1,500–$1,999
7%
$2,000–$2,499
2%
$2,500–$2,999
Unreliable estimate
$3,000 or more
1%
About 63% of rented homes in Springfield cost less than HUD's 2-bedroom fair market rent for Greene County ($1,113); the rest cost more.
With a mortgage
$1,202 a month
Greene County: $1,367 a month
Without a mortgage
$469 a month
Greene County: $515 a month
Owners with a mortgage
60%
Greene County: 62%
The typical cost for an owner with a mortgage in Springfield is $1,202 a month, less than in Greene County ($1,367); without one, $469.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Springfield+51%
Greene County+52%
Missouri+47%
United States+53%
Typical rent
Springfield+30%
Greene County+29%
Missouri+25%
United States+33%
Typical household income
Springfield+34%
Greene County+33%
Missouri+28%
United States+29%
Change since 2015–2019: Springfield and its comparisons
Measure
Springfield
Greene County
Missouri
United States
Typical home value
+51%
+52%
+47%
+53%
Typical rent
+30%
+29%
+25%
+33%
Typical household income
+34%
+33%
+28%
+29%
From 2015–2019 to 2020–2024, home values in Springfield rose at about the same pace as in Greene County: 51% against 52%.
The typical rent in Springfield rose 30% since 2015–2019, about the same as in Greene County (29%).
While home values in Springfield changed +51% and rent +30%, the typical household income rose 34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Springfield and its comparisons
Measure
Springfield
Greene County
Missouri
United States
Rental vacancy
3.8%
3.3%
5.0%
5.5%
Homeowner vacancy
1.2%
0.9%
0.9%
0.9%
More than one person per room
1.4%
1.5%
1.7%
3.4%
People per household
2.04
2.24
2.40
2.53
Drive alone
75%
76%
75%
69%
Carpool
9%
9%
8%
9%
Public transit
1%
1%
1%
3%
Walk or bike
4%
2%
2%
3%
Work from home
10%
11%
13%
15%
Other means
1%
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Greene County, the rental vacancy rate in Springfield is 3.8%.
More than one person per room: that is how 1.4% of households in Springfield live, near the figure in Greene County (1.5%).
Fewer people live in each home here: 2.04 on average, against 2.24 in Greene County.
To get to work, 75% of workers in Springfield drive alone; in Greene County, 76%.
Do the math
What would you pay each month for a home in Springfield?
A typical home is tight for the typical income
We start with a typical home in Springfield, worth $177,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Springfield, which is $49,311 a year. For that payment to be 28% of income, a household would need to earn about $61,958 a year.
The calculator's FHA and conventional loan limits are those of all of Greene 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 Springfield. 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 $6,220 (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
$1,446
at 7.18% · 30 years
Loan amount
$174,481
Total interest
$251,037
Paid off in
November 2056
Includes $3,001 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,151 a month
Tight
$1,151 to $1,479 a month
Your payment · 35%
Hard
more than $1,479 a month
Compared with the typical household income in Springfield ($49,311 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,182
Property tax
$111
Home insurance
$74
FHA mortgage insurance (MIP)
$79
You need at least $6,220 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 $1,446; principal and interest $1,182.
The city and its county
Springfield and Greene County
Springfield is in Greene 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).
Springfield
Map of Greene County, Missouri, with Springfield marked. Around it, the neighboring counties.
Springfield
Greene County
Other cities with a page
Springfield's own numbers
Typical home value
$177,700
Typical monthly rent
$964
Typical yearly household income
$49,311
Households that own their home
44%
Effective property tax rate
0.75%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Greene County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,113
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
0.6%
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 Greene County.
A typical home in Springfield is worth $177,700: 20% below the county and 23% below Missouri. With the typical household income in Springfield ($49,311 a year), a typical home costs 3.6 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.
Springfield3.6 years
Greene3.6 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Greene County
According to FHFA’s house price index, home prices in Greene County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Greene County.
Yearly change in FHFA’s price index in Greene County, 2016 to 2025
2016: +3.2% +3.2% 2016
2017: +4.8% +4.8% 2017
2018: +5.8% +5.8% 2018
2019: +6.4% +6.4% 2019
2020: +5.2% +5.2% 2020
2021: +13.9% +13.9% 2021
2022: +18.3% +18.3% 2022
2023: +8.5% +8.5% 2023
2024: +4.7% +4.7% 2024
2025: +2.5% +2.5% 2025
Change in FHFA’s price index in Greene County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+2.5%
+3.7%
+2.9%
5 years (2020–2025)
+57%
+51%
+47%
10 years (2015–2025)
+101%
+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
Springfield next to Greene 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
Springfield$177,700
Greene$221,300
Missouri$230,300
United States$332,700
Typical monthly rent
Springfield$964
Greene$989
Missouri$1,033
United States$1,413
Typical yearly household income
Springfield$49,311
Greene$61,479
Missouri$70,702
United States$80,734
See the full table
Springfield next to Greene County and Missouri
Measure
Springfield
Greene County
Missouri
U.S.
Typical home value
$177,700 ▼20% below the county
$221,300
$230,300
$332,700
Typical monthly rent
$964 ▼3% below the county
$989
$1,033
$1,413
Typical yearly household income
$49,311 ▼20% below the county
$61,479
$70,702
$80,734
Households that own their home
44% ▼14 points below the county
57%
68%
65%
Typical yearly property tax
$1,326 ▼16% below the county
$1,572
$1,948
$3,119
Effective property tax rate
0.75% ▲0.04 points above the county
0.71%
0.85%
0.94%
Renters with high rent for their income
49% ▲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 Greene 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 Springfield
For a typical $177,700 home in Springfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Springfield's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,446a month
Least cash to close
Down payment
$6,220
Cash to close
$11,551
Rate
7.18%
Mortgage insurance
FHA MIP · $79
Conventional, 5% down$1,413a month
Down payment
$8,885
Cash to close
$14,216
Rate
7.18%
Mortgage insurance
PMI · $84
Conventional, 20% down, no PMI$1,148a month
Down payment
$35,540
Cash to close
$40,871
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,312a month
Down payment
$26,655
Cash to close
$31,986
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Springfield
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,446
$6,220
$174,481
7.18%
FHA MIP · $79
$11,551
580
Conventional, 5% down
$1,413
$8,885
$168,815
7.18%
PMI · $84
$14,216
620*
Conventional, 20% down, no PMI
$1,148
$35,540
$142,160
7.18%
None
$40,871
620*
ITIN, 15% down (example)
$1,312
$26,655
$151,045
8.18%
None
$31,986
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 Springfield and for Greene County.
Property tax
Effective rate in Springfield
0.75%of the home’s value each year
$1,326 a year for the typical owner in Springfield.
Springfield0.75%
Greene0.71%
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 Springfield is $964 a month: 3% below the county. In Springfield, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Greene County, by unit size. To pay the 2-bedroom one ($1,113 a month) without spending more than 30% of your income, you would need to earn $21.40 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 Greene County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$908
$17.46
$36,320
1 bedroom
$913
$17.56
$36,520
2 bedrooms
$1,113
$21.40
$44,520
3 bedrooms
$1,539
$29.60
$61,560
4 bedrooms
$1,768
$34.00
$70,720
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 Springfield
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Springfield has 7 ZIP codes with their own.
For 2 bedrooms it runs from $1,000 in 65802 to $1,220 in 65807.
4 of the 7 are above the fair market rent for Greene County ($1,113).
2-bedroom fair market rent in each of the 7 ZIP codes of Springfield, beside the one for Greene County. For 2 bedrooms it runs from $1,000 in 65802 to $1,220 in 65807. 4 of the 7 are above the fair market rent for Greene County ($1,113).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,113
Lowest: $1,000 (65802)Highest: $1,220 (65807)
Fair market rent by ZIP code and size in Springfield, fiscal year 2027.
65801
$910
$920
$1,120
$1,550
$1,780
65802
$820
$820
$1,000
$1,380
$1,590
65803
$890
$890
$1,090
$1,510
$1,730
65804
$910
$910
$1,110
$1,540
$1,760
65806
$930
$940
$1,140
$1,580
$1,810
65807
$990
$1,000
$1,220
$1,690
$1,940
65897
$950
$950
$1,160
$1,610
$1,840
ZIP code2 bd3 bd
65801 $1,120$1,550
65802 $1,000$1,380
65803 $1,090$1,510
65804 $1,110$1,540
65806 $1,140$1,580
65807 $1,220$1,690
65897 $1,160$1,610
4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Springfield 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 70 buildings with rents for lower incomes in Springfield. These are the largest.
Hunter's Glen Apts1710 W Erie St, Springfield 65807168 low-income homes · 1 bd: 104 · 2 bd: 64 · In service since 1994
Delaware on Primrose Apts1717 E Primrose St, Springfield 65804160 low-income homes · 1 bd: 104 · 2 bd: 56 · In service since 1993
John B. Hughes Apts I & II2100 N Clifton Ave, Springfield 65803138 low-income homes · For families(417) 869-0351
Madison Tower421 W Madison St, Springfield 65806130 low-income homes · Run by Springfield Housing Authority · Average payment: $311 a month · Average wait: 40 months(417) 866-4329
Glenwood Manor2540 N Delaware Ave, Springfield 65803119 low-income homes · 1 bd: 41 · 2 bd: 64 · 3 bd: 14 · In service since 2001 · For families(417) 864-7666
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.
There is 1 HUD-approved agency with an office in Greene County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Springfield or Greene County. The ones below are statewide in Missouri: they work in Springfield 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 Springfield or Greene 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 Springfield and all of Greene 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 Springfield?
The typical home value in Springfield is $177,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Greene County it is $221,300.
How much does it cost to rent in Springfield?
Typical rent in Springfield is $964 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Greene County is $1,113.
What is the FHA loan limit in Springfield?
Springfield uses the FHA limit for all of Greene 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 Springfield?
The typical homeowner in Springfield pays $1,326 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Greene County, the rate is 0.71%.
Where can I find free help to buy or rent in Springfield?
There is 1 HUD-approved counseling agency with an office in Greene County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
