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City · 5,536 residents · Grundy County, Missouri

Trenton , Missouri

In Trenton, a typical home is worth $99,500 and typical rent is $703 a month. Compared with all of Grundy County, the typical home value is 12% lower and the share of households that own their home is 9 points lower.

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  • Typical home value

    $99,500

    12% below the county

    57% below Missouri

    • Trenton
    • Grundy
    • Missouri

  • Typical rent

    $703a month

    About the same as the county

    32% below Missouri

    • Trenton
    • Grundy
    • Missouri

  • Typical household income

    $50,015a year

    4% below the county

    29% below Missouri

    • Trenton
    • Grundy
    • Missouri

  • Households that own their home

    61%

    9 points below the county

    7 points below Missouri

    • Trenton
    • Grundy
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$113,379
5.1% more than 12 months ago

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

Trenton is in Grundy 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 Grundy County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Trenton apart

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

  1. Trenton has the 4th lowest typical home value of the 142 cities in Missouri with more than 5,000 people ($99,500).

  2. Trenton has the 6th lowest typical rent of the 138 cities in Missouri with more than 5,000 people ($703).

  3. 61% of households in Trenton own their home, against 70% in Grundy County.

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

The homes here

Housing in Trenton

What homes there are in Trenton, 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

In Trenton, 8 in 10 homes are single-family detached houses, about the same as in Grundy County.

Year built

In Trenton, half of the homes were built before 1962; in Grundy County, before 1963.

There are fewer big homes in Trenton than in Grundy County: 55% have 3 bedrooms or more, against 61%.

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

HUD's 2-bedroom fair market rent (FMR) for Grundy County is $962; about 86% of rents in Trenton are below it.

With a mortgage

$1,018 a month

Grundy County: $1,074 a month

Without a mortgage

$497 a month

Grundy County: $505 a month

Owners with a mortgage

39%

Grundy County: 38%

The typical cost for an owner with a mortgage in Trenton is $1,018 a month, less than in Grundy County ($1,074); without one, $497.

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

Since 2015–2019, home values in Trenton moved so little that the Census cannot say whether they rose or fell.

Rents in Trenton rose at about the same pace as in Grundy County: 31% since 2015–2019, against 30%.

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

MeasureTrentonGrundy CountyMissouriUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.7%3.4%
People per household 2.272.432.402.53
Drive alone 78%80%75%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate5%2%3%
Work from home Unreliable estimate5%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute under 10 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.27 on average, against 2.43 in Grundy County.

The car rules in Trenton: 78% of workers drive to work alone, and the typical trip takes under 10 minutes.

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 Trenton?

A typical home is within reach of the typical income

We start with a typical home in Trenton, worth $99,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Trenton, which is $50,015 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Trenton. 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 $3,483 (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

$838

at 7.18% · 30 years

Loan amount
$97,697
Total interest
$140,563
Paid off in
November 2056

Includes $1,680 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,167 a month

    Your payment · 20%

  • Tight

    $1,167 to $1,500 a month

  • Hard

    more than $1,500 a month

Compared with the typical household income in Trenton ($50,015 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$838
Principal & interest$662
Property tax$90
Home insurance$42
FHA mortgage insurance (MIP)$44

You need at least $3,483 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

Trenton and Grundy County

Trenton is in Grundy 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).

Trenton's own numbers

Typical home value
$99,500
Typical monthly rent
$703
Typical yearly household income
$50,015
Households that own their home
61%
Effective property tax rate
1.09%

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

Numbers for all of Grundy 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)
+68%
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 Grundy County.

Everything about Grundy County

Buying

Buying a home in Trenton

A typical home in Trenton is worth $99,500: 12% below the county and 57% below Missouri. With the typical household income in Trenton ($50,015 a year), a typical home costs 2.0 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.

  • Trenton 2.0 years
  • Grundy 2.2 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Grundy County

According to FHFA’s house price index, home prices in Grundy County rose 80% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +3.6% +3.7% +2.9%
5 years (2020–2025) +68% +51% +47%
10 years (2015–2025) +80% +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

Trenton next to Grundy 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
  • Trenton $99,500
  • Grundy $112,500
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Trenton $703
  • Grundy $696
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Trenton $50,015
  • Grundy $51,975
  • Missouri $70,702
  • United States $80,734
See the full table
Trenton next to Grundy County and Missouri
Measure Trenton Grundy County Missouri U.S.
Typical home value $99,500 $112,500 $230,300 $332,700
Typical monthly rent $703 $696 $1,033 $1,413
Typical yearly household income $50,015 $51,975 $70,702 $80,734
Households that own their home 61% 70% 68% 65%
Typical yearly property tax $1,083 $1,125 $1,948 $3,119
Effective property tax rate 1.09% 1% 0.85% 0.94%
Renters with high rent for their income 38% 35% 46% 51%

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

For a typical $99,500 home in Trenton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Trenton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $838a month

    Least cash to close
    Down payment
    $3,483
    Cash to close
    $6,468
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $819a month

    Down payment
    $4,975
    Cash to close
    $7,960
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $671a month

    Down payment
    $19,900
    Cash to close
    $22,885
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $763a month

    Down payment
    $14,925
    Cash to close
    $17,910
    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 Trenton and for Grundy County.

Property tax

Effective rate in Trenton

1.09%of the home’s value each year

$1,083 a year for the typical owner in Trenton.

  • Trenton 1.09%
  • Grundy 1%
  • 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 Grundy County

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

Homes in the high-risk zone
0.6%
31
Of those, with NFIP insurance
3.2%
County Missouri U.S.
Homes in the high-risk zone 0.6% 1.6% 3.5%
Of those, with NFIP insurance 3.2% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Trenton

Typical rent in Trenton is $703 a month: about the same as the county. In Trenton, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Grundy 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.

HUD fair market rent for all of Grundy 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 $709 $13.63 $28,360
1 bedroom $735 $14.13 $29,400
2 bedrooms $962 $18.50 $38,480
3 bedrooms $1,283 $24.67 $51,320
4 bedrooms $1,442 $27.73 $57,680

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 Trenton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Trenton is in ZIP code 64683.

For 2 bedrooms it is $970: $8 more than the fair market rent for Grundy County ($962).

  • 64683 $970$1,290

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

HUD lists 8 buildings with rents for lower incomes in Trenton. These are the largest.

  • Princeton Manor Apts 2610 Princeton Rd, Trenton 64683 60 low-income homes · For older adults (660) 359-5120
  • Trenton Heights Apts 1912 E 13th St, Trenton 64683 40 low-income homes · 1 bd: 8 · 2 bd: 16 · 3 bd: 16 · In service since 1989
  • Adam's Park Apts 1312 E 9th St, Trenton 64683 35 low-income homes · 1 bd: 10 · 2 bd: 25 · In service since 2011 · For older adults, people with disabilities
  • Trenton Village Apts 1700 E 30th St, Trenton 64683 32 low-income homes · 2 bd: 24 · 3 bd: 8 · In service since 1999
  • Plaza Building 715 Main St, Trenton 64683 23 low-income homes · 1 bd: 6 · 2 bd: 17 · In service since 2001

See all 8 buildings in Grundy County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Trenton

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Trenton

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

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

  • Community Services League

    404 N Noland Rd, Independence · 81 miles away

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 4 more
    (816) 254-4100

  • Habitat for Humanity of Kansas City

    1423 E Linwood Blvd, Kansas City · 87 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (816) 924-1096

  • Credit & Homeownership Empowerment Services, Inc.

    3115 Gillham Plz, Kansas City · 87 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (816) 533-7417

All counseling agencies in Missouri

Help in Spanish near Trenton

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 Trenton

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

All housing agencies in Missouri Source: HUD

Cities

Nearby cities

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

Everything about Grundy County Housing in Missouri

Neighboring counties

If Grundy 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 Trenton.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Trenton

Short answers with the numbers for Trenton and all of Grundy 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 Trenton?

The typical home value in Trenton is $99,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grundy County it is $112,500.

How much does it cost to rent in Trenton?

Typical rent in Trenton is $703 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grundy County is $962.

What is the FHA loan limit in Trenton?

Trenton uses the FHA limit for all of Grundy 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 Trenton?

The typical homeowner in Trenton pays $1,083 a year, according to the U.S. Census Bureau. That is 1.09% of the home’s value; in Grundy County, the rate is 1%.

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

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