In Willard, a typical home is worth $212,900 and typical rent is $984 a month. Compared with all of Greene County, typical household income is 38% higher and the share of households that own their home is 13 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $212,669 to $272,086.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Willard 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
The typical household income in Willard is $84,600,38% more than in Greene County as a whole ($61,479).
2
Willard has the 7th smallest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (27%).
3
70% of households in Willard own their home, against 57% in Greene County.
4
Nearby, in Springfield, the typical home value is $177,700: 17% less than in Willard ($212,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Willard
What homes there are in Willard, 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
Willard
Greene County
Missouri
United States
Kind of home: Willard and its comparisons
Measure
Willard
Greene County
Missouri
United States
Detached house
77%
70%
71%
61%
Attached house
Unreliable estimate
3%
4%
6%
Building of 2 to 4
Unreliable estimate
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
20%
13%
19%
Mobile home
Unreliable estimate
2%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Willard: 77% of homes, more than in Greene County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Willard
Greene County
Missouri
United States
Year built: Willard and its comparisons
Measure
Willard
Greene County
Missouri
United States
Before 1960
Unreliable estimate
21%
27%
26%
1960–1979
18%
26%
25%
24%
1980–1999
32%
26%
25%
25%
2000–2009
32%
16%
13%
14%
2010 or later
13%
11%
10%
11%
Here half of the homes date from 1998 or later; in Greene County, from 1982 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K41%
$200K–$300K38%
$300K–$500K18%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Willard and its comparisons
Measure
Willard
Under $100K
Unreliable estimate
$100K–$200K
41%
$200K–$300K
38%
$300K–$500K
18%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99949%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Willard and its comparisons
Measure
Willard
Under $500
Unreliable estimate
$500–$999
49%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,561 a month
Greene County: $1,367 a month
Without a mortgage
$484 a month
Greene County: $515 a month
Owners with a mortgage
72%
Greene County: 62%
The typical cost for an owner with a mortgage in Willard is $1,561 a month, more than in Greene County ($1,367); without one, $484.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Willard+53%
Greene County+52%
Missouri+47%
United States+53%
Typical rent
WillardNo clear change
Greene County+29%
Missouri+25%
United States+33%
Typical household income
Willard+38%
Greene County+33%
Missouri+28%
United States+29%
Change since 2015–2019: Willard and its comparisons
Measure
Willard
Greene County
Missouri
United States
Typical home value
+53%
+52%
+47%
+53%
Typical rent
No clear change
+29%
+25%
+33%
Typical household income
+38%
+33%
+28%
+29%
The typical home value in Willard rose 53% since 2015–2019, about the same as in Greene County (52%).
Since 2015–2019, the typical rent in Willard did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Willard and its comparisons
Measure
Willard
Greene County
Missouri
United States
Rental vacancy
Unreliable estimate
3.3%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.9%
0.9%
More than one person per room
Unreliable estimate
1.5%
1.7%
3.4%
People per household
2.95
2.24
2.40
2.53
Drive alone
73%
76%
75%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
15%
11%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Willard are bigger: 2.95 people on average; in Greene County, 2.24.
Many people here do not commute at all: 15% work from home; in Greene County, 11%.
Do the math
What would you pay each month for a home in Willard?
A typical home is within reach of the typical income
We start with a typical home in Willard, worth $212,900, 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 Willard, which is $84,600 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 Willard. 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 $7,452 (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
$1,741
at 7.18% · 30 years
Loan amount
$209,043
Total interest
$300,764
Paid off in
November 2056
Includes $3,595 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,974 a month
Your payment · 25%
Tight
$1,974 to $2,538 a month
Hard
more than $2,538 a month
Compared with the typical household income in Willard ($84,600 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,416
Property tax
$142
Home insurance
$89
FHA mortgage insurance (MIP)
$94
You need at least $7,452 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 $1,741; principal and interest $1,416.
The city and its county
Willard and Greene County
Willard 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).
Willard
Map of Greene County, Missouri, with Willard marked. Around it, the neighboring counties.
Willard
Greene County
Other cities with a page
Willard's own numbers
Typical home value
$212,900
Typical monthly rent
$984
Typical yearly household income
$84,600
Households that own their home
70%
Effective property tax rate
0.8%
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 Willard is worth $212,900: 4% below the county and 8% below Missouri. With the typical household income in Willard ($84,600 a year), a typical home costs 2.5 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.
Willard2.5 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
Willard 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
Willard$212,900
Greene$221,300
Missouri$230,300
United States$332,700
Typical monthly rent
Willard$984
Greene$989
Missouri$1,033
United States$1,413
Typical yearly household income
Willard$84,600
Greene$61,479
Missouri$70,702
United States$80,734
See the full table
Willard next to Greene County and Missouri
Measure
Willard
Greene County
Missouri
U.S.
Typical home value
$212,900 ▼4% below the county
$221,300
$230,300
$332,700
Typical monthly rent
$984
$989
$1,033
$1,413
Typical yearly household income
$84,600 ▲38% above the county
$61,479
$70,702
$80,734
Households that own their home
70% ▲13 points above the county
57%
68%
65%
Typical yearly property tax
$1,713 ▲9% above the county
$1,572
$1,948
$3,119
Effective property tax rate
0.8% ▲0.09 points above the county
0.71%
0.85%
0.94%
Renters with high rent for their income
27% ▼19 points below 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 Willard
For a typical $212,900 home in Willard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Willard's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,741a month
Least cash to close
Down payment
$7,452
Cash to close
$13,839
Rate
7.18%
Mortgage insurance
FHA MIP · $94
Conventional, 5% down$1,702a month
Down payment
$10,645
Cash to close
$17,032
Rate
7.18%
Mortgage insurance
PMI · $101
Conventional, 20% down, no PMI$1,384a month
Down payment
$42,580
Cash to close
$48,967
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,581a month
Down payment
$31,935
Cash to close
$38,322
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Willard
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,741
$7,452
$209,044
7.18%
FHA MIP · $94
$13,839
580
Conventional, 5% down
$1,702
$10,645
$202,255
7.18%
PMI · $101
$17,032
620*
Conventional, 20% down, no PMI
$1,384
$42,580
$170,320
7.18%
None
$48,967
620*
ITIN, 15% down (example)
$1,581
$31,935
$180,965
8.18%
None
$38,322
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 Willard and for Greene County.
Property tax
Effective rate in Willard
0.8%of the home’s value each year
$1,713 a year for the typical owner in Willard.
Willard0.8%
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 Willard is $984 a month: about the same as the county. In Willard, 27% 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 Willard
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Willard has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,090 in 65803 to $1,270 in 65781.
1 of the 2 is above the fair market rent for Greene County ($1,113).
Fair market rent by ZIP code and size in Willard, fiscal year 2027.
65781
$1,040
$1,040
$1,270
$1,760
$2,020
65803
$890
$890
$1,090
$1,510
$1,730
ZIP code2 bd3 bd
65781 $1,270$1,760
65803 $1,090$1,510
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Willard 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.
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 Willard or Greene County. The ones below are statewide in Missouri: they work in Willard 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 Willard 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 Willard 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 Willard?
The typical home value in Willard is $212,900, 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 Willard?
Typical rent in Willard is $984 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 Willard?
Willard 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 Willard?
The typical homeowner in Willard pays $1,713 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Greene County, the rate is 0.71%.
Where can I find free help to buy or rent in Willard?
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.
