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City · 19,582 residents · Johnson County, Missouri

Warrensburg , Missouri

In Warrensburg, a typical home is worth $222,200 and typical rent is $921 a month. Compared with all of Johnson County, typical household income is 15% lower, the typical home value is 6% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $222,200

    6% below the county

    4% below Missouri

    • Warrensburg
    • Johnson
    • Missouri

  • Typical rent

    $921a month

    About the same as the county

    11% below Missouri

    • Warrensburg
    • Johnson
    • Missouri

  • Typical household income

    $57,067a year

    15% below the county

    19% below Missouri

    • Warrensburg
    • Johnson
    • Missouri

  • Households that own their home

    46%

    17 points below the county

    22 points below Missouri

    • Warrensburg
    • Johnson
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$270,905
3.3% more than 12 months ago
Typical rent
$1,101 a month
5.9% more than 12 months ago

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

Warrensburg is in Johnson 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 Johnson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Warrensburg apart

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

  1. Warrensburg has the 6th lowest homeownership rate of the 142 cities in Missouri with more than 5,000 people (46%).

  2. Nearby, in Sedalia, the typical home value is $143,000: 36% less than in Warrensburg ($222,200).

  3. Nearby, in Clinton, the typical rent is $702: 24% less than in Warrensburg ($921).

  4. The typical household income in Warrensburg is $57,067, 15% less than in Johnson County as a whole ($67,272).

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

The homes here

Housing in Warrensburg

What homes there are in Warrensburg, 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 Warrensburg, 6 in 10 homes are single-family detached houses; in Johnson County, 7.

Year built

The typical home in Warrensburg was built in 1986, 4 years before the typical one in Johnson County.

Homes in Warrensburg are smaller: 58% have 3 bedrooms or more; in Johnson County, 66%.

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

$1,478 a month

Johnson County: $1,488 a month

Without a mortgage

$490 a month

Johnson County: $526 a month

Owners with a mortgage

64%

Johnson County: 63%

Owning costs about the same in Warrensburg as in Johnson County: with a mortgage, $1,478 a month; without one, $490.

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 Warrensburg rose 39% since 2015–2019, less than in Johnson County (51%).

The typical rent in Warrensburg rose 19% over the same time; in Johnson County, it rose 16%.

The typical household income in Warrensburg rose 23% over that time; home values changed +39% and rent +19%.

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

MeasureWarrensburgJohnson 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 estimate1.6%1.7%3.4%
People per household 2.202.412.402.53
Drive alone 78%79%75%69%
Carpool 9%9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 8%4%2%3%
Work from home 4%7%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Warrensburg has 2.20 people, fewer than in Johnson County (2.41).

More people walk or bike to work in Warrensburg: 8%, against 4% in Johnson County.

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 Warrensburg?

A typical home costs more than the typical income allows

We start with a typical home in Warrensburg, worth $222,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Warrensburg, which is $57,067 a year. For that payment to be 28% of income, a household would need to earn about $77,236 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Warrensburg. 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 $7,777 (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

$1,802

at 7.18% · 30 years

Loan amount
$218,175
Total interest
$313,903
Paid off in
November 2056

Includes $3,752 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,332 a month

  • Tight

    $1,332 to $1,712 a month

  • Hard

    more than $1,712 a month

    Your payment · 38%

Compared with the typical household income in Warrensburg ($57,067 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,802
Principal & interest$1,478
Property tax$133
Home insurance$93
FHA mortgage insurance (MIP)$98

You need at least $7,777 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

Warrensburg and Johnson County

Warrensburg is in Johnson 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).

Warrensburg's own numbers

Typical home value
$222,200
Typical monthly rent
$921
Typical yearly household income
$57,067
Households that own their home
46%
Effective property tax rate
0.72%

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

Numbers for all of Johnson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,033
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
1.1%

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 Johnson County.

Everything about Johnson County

Buying

Buying a home in Warrensburg

A typical home in Warrensburg is worth $222,200: 6% below the county and 4% below Missouri. With the typical household income in Warrensburg ($57,067 a year), a typical home costs 3.9 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.

  • Warrensburg 3.9 years
  • Johnson 3.5 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Johnson County

According to FHFA’s house price index, home prices in Johnson County rose 93% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +4.7% +3.7% +2.9%
5 years (2020–2025) +55% +51% +47%
10 years (2015–2025) +93% +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

Warrensburg next to Johnson 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
  • Warrensburg $222,200
  • Johnson $235,700
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Warrensburg $921
  • Johnson $932
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Warrensburg $57,067
  • Johnson $67,272
  • Missouri $70,702
  • United States $80,734
See the full table
Warrensburg next to Johnson County and Missouri
Measure Warrensburg Johnson County Missouri U.S.
Typical home value $222,200 $235,700 $230,300 $332,700
Typical monthly rent $921 $932 $1,033 $1,413
Typical yearly household income $57,067 $67,272 $70,702 $80,734
Households that own their home 46% 64% 68% 65%
Typical yearly property tax $1,593 $1,565 $1,948 $3,119
Effective property tax rate 0.72% 0.66% 0.85% 0.94%
Renters with high rent for their income 47% 41% 46% 51%

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

For a typical $222,200 home in Warrensburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Warrensburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,802a month

    Least cash to close
    Down payment
    $7,777
    Cash to close
    $14,443
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,761a month

    Down payment
    $11,110
    Cash to close
    $17,776
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,430a month

    Down payment
    $44,440
    Cash to close
    $51,106
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,636a month

    Down payment
    $33,330
    Cash to close
    $39,996
    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 Warrensburg and for Johnson County.

Property tax

Effective rate in Warrensburg

0.72%of the home’s value each year

$1,593 a year for the typical owner in Warrensburg.

  • Warrensburg 0.72%
  • Johnson 0.66%
  • 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 Johnson County

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

Homes in the high-risk zone
1.1%
238
Of those, with NFIP insurance
21%
County Missouri U.S.
Homes in the high-risk zone 1.1% 1.6% 3.5%
Of those, with NFIP insurance 21% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Warrensburg

Typical rent in Warrensburg is $921 a month: about the same as the county. In Warrensburg, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Johnson County, by unit size. To pay the 2-bedroom one ($1,033 a month) without spending more than 30% of your income, you would need to earn $19.87 an hour working full time.

HUD fair market rent for all of Johnson 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 $761 $14.63 $30,440
1 bedroom $856 $16.46 $34,240
2 bedrooms $1,033 $19.87 $41,320
3 bedrooms $1,430 $27.50 $57,200
4 bedrooms $1,727 $33.21 $69,080

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 Warrensburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Warrensburg is in ZIP code 64093.

For 2 bedrooms it is $1,040: $7 more than the fair market rent for Johnson County ($1,033).

  • 64093 $1,040$1,440

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

HUD lists 9 buildings with rents for lower incomes in Warrensburg. These are the largest.

  • Parkview Gardens 411 E North St, Warrensburg 64093 108 homes, 72 low-income · For older adults (660) 429-1531
  • Pathways Warrensburg Apartments 606 Burkarth Rd, Warrensburg 64093 38 low-income homes · 1 bd: 5 · 2 bd: 30 · In service since 2017 · For families
  • Vineyard 504 Regent Dr, Warrensburg 64093 36 low-income homes · 1 bd: 24 · 2 bd: 12 · In service since 1998
  • Hawthorne Senior Apartments Lot 2, Hawthorne Development, Warrensburg 64093 36 homes, 33 low-income · 2 bd: 36 · In service since 2015 · For older adults
  • Warrensburg Estates 602 Spring Ridge Rd, Warrensburg 64093 32 low-income homes · 1 bd: 32 · In service since 1990

See all 10 buildings in Johnson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Warrensburg

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

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Warrensburg

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

The HUD-approved agencies closest to the center of Warrensburg, 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 · 44 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 · 50 miles away

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

  • NSC (naca Counseling Subsidiary) - Kansas City, MO

    100 E 43rd St, Kansas City · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (816) 531-6222

All counseling agencies in Missouri

Help in Spanish near Warrensburg

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 Warrensburg

HUD lists no housing authority with an office in Johnson 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 Warrensburg, with the typical home value.

Everything about Johnson County Housing in Missouri

Neighboring counties

If Johnson 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 Warrensburg.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Warrensburg

Short answers with the numbers for Warrensburg and all of Johnson 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 Warrensburg?

The typical home value in Warrensburg is $222,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnson County it is $235,700.

How much does it cost to rent in Warrensburg?

Typical rent in Warrensburg is $921 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnson County is $1,033.

What is the FHA loan limit in Warrensburg?

Warrensburg uses the FHA limit for all of Johnson 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 Warrensburg?

The typical homeowner in Warrensburg pays $1,593 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Johnson County, the rate is 0.66%.

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

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