In Wright City, a typical home is worth $238,800 and typical rent is $894 a month. Compared with all of Warren County, typical rent is 10% lower and the typical home value is 8% lower.
Typical home value from Zillow, September 2021 to September 2026: from $234,069 to $311,736.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wright City is in Warren 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 Warren County. See the county
What homes there are in Wright City, 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
Wright City
Warren County
Missouri
United States
Kind of home: Wright City and its comparisons
Measure
Wright City
Warren County
Missouri
United States
Detached house
87%
79%
71%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
4%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
Unreliable estimate
10%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Wright City, 9 in 10 homes are single-family detached houses; in Warren County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Wright City
Warren County
Missouri
United States
Year built: Wright City and its comparisons
Measure
Wright City
Warren County
Missouri
United States
Before 1960
Unreliable estimate
8%
27%
26%
1960–1979
Unreliable estimate
15%
25%
24%
1980–1999
17%
31%
25%
25%
2000–2009
25%
25%
13%
14%
2010 or later
43%
21%
10%
11%
Homes in Wright City are newer: the typical year built is 2007; in Warren County, 1998.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K22%
$200K–$300K54%
$300K–$500K13%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Wright City and its comparisons
Measure
Wright City
Under $100K
Unreliable estimate
$100K–$200K
22%
$200K–$300K
54%
$300K–$500K
13%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Wright City and its comparisons
Measure
Wright City
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,438 a month
Warren County: $1,485 a month
Without a mortgage
$495 a month
Warren County: $499 a month
Owners with a mortgage
77%
Warren County: 67%
Owning costs about the same in Wright City as in Warren County: with a mortgage, $1,438 a month; without one, $495.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Wright City+62%
Warren County+45%
Missouri+47%
United States+53%
Typical rent
Wright CityNo clear change
Warren County+23%
Missouri+25%
United States+33%
Typical household income
Wright CityNo clear change
Warren County+35%
Missouri+28%
United States+29%
Change since 2015–2019: Wright City and its comparisons
Measure
Wright City
Warren County
Missouri
United States
Typical home value
+62%
+45%
+47%
+53%
Typical rent
No clear change
+23%
+25%
+33%
Typical household income
No clear change
+35%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Wright City rose 62%; in Warren County, it rose 45%.
Rent in Wright City moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wright City and its comparisons
Measure
Wright City
Warren County
Missouri
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
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
2.93
2.67
2.40
2.53
Drive alone
73%
81%
75%
69%
Carpool
16%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
11%
9%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.93 on average, against 2.67 in Warren County.
Carpooling is common in Wright City: 16% of workers get to work that way, against 10% in Warren County.
Do the math
What would you pay each month for a home in Wright City?
A typical home is tight for the typical income
We start with a typical home in Wright City, worth $238,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Wright City, which is $80,152 a year. For that payment to be 28% of income, a household would need to earn about $83,603 a year.
The calculator's FHA and conventional loan limits are those of all of Warren 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 Wright City. 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 $8,358 (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
$1,951
at 7.18% · 30 years
Loan amount
$234,475
Total interest
$337,354
Paid off in
November 2056
Includes $4,033 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,870 a month
Tight
$1,870 to $2,405 a month
Your payment · 29%
Hard
more than $2,405 a month
Compared with the typical household income in Wright City ($80,152 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,588
Property tax
$157
Home insurance
$100
FHA mortgage insurance (MIP)
$106
You need at least $8,358 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 $1,951; principal and interest $1,588.
The city and its county
Wright City and Warren County
Wright City is in Warren 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).
Wright City
Map of Warren County, Missouri, with Wright City marked. Around it, the neighboring counties.
Wright City
Warren County
Other cities with a page
Wright City's own numbers
Typical home value
$238,800
Typical monthly rent
$894
Typical yearly household income
$80,152
Households that own their home
82%
Effective property tax rate
0.79%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Warren County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.2%
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 Warren County.
A typical home in Wright City is worth $238,800: 8% below the county and 4% above Missouri. With the typical household income in Wright City ($80,152 a year), a typical home costs 3.0 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.
Wright City3.0 years
Warren3.2 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Warren County
According to FHFA’s house price index, home prices in Warren County rose 106% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Warren County.
Yearly change in FHFA’s price index in Warren County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +7.1% +7.1% 2017
2018: +4.0% +4.0% 2018
2019: +6.4% +6.4% 2019
2020: +3.0% +3.0% 2020
2021: +10.1% +10.1% 2021
2022: +14.7% +14.7% 2022
2023: +15.4% +15.4% 2023
2024: +4.9% +4.9% 2024
2025: +5.6% +5.6% 2025
Change in FHFA’s price index in Warren County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+5.6%
+3.7%
+2.9%
5 years (2020–2025)
+62%
+51%
+47%
10 years (2015–2025)
+106%
+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
Wright City next to Warren 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
Wright City$238,800
Warren$260,400
Missouri$230,300
United States$332,700
Typical monthly rent
Wright City$894
Warren$995
Missouri$1,033
United States$1,413
Typical yearly household income
Wright City$80,152
Warren$81,209
Missouri$70,702
United States$80,734
See the full table
Wright City next to Warren County and Missouri
Measure
Wright City
Warren County
Missouri
U.S.
Typical home value
$238,800 ▼8% below the county
$260,400
$230,300
$332,700
Typical monthly rent
$894 ▼10% below the county
$995
$1,033
$1,413
Typical yearly household income
$80,152
$81,209
$70,702
$80,734
Households that own their home
82% ▲2 points above the county
80%
68%
65%
Typical yearly property tax
$1,887 ▲4% above the county
$1,809
$1,948
$3,119
Effective property tax rate
0.79% ▲0.1 points above the county
0.69%
0.85%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Warren 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 Wright City
For a typical $238,800 home in Wright City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wright City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,951a month
Least cash to close
Down payment
$8,358
Cash to close
$15,522
Rate
7.18%
Mortgage insurance
FHA MIP · $106
Conventional, 5% down$1,907a month
Down payment
$11,940
Cash to close
$19,104
Rate
7.18%
Mortgage insurance
PMI · $113
Conventional, 20% down, no PMI$1,551a month
Down payment
$47,760
Cash to close
$54,924
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,772a month
Down payment
$35,820
Cash to close
$42,984
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wright City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,951
$8,358
$234,475
7.18%
FHA MIP · $106
$15,522
580
Conventional, 5% down
$1,907
$11,940
$226,860
7.18%
PMI · $113
$19,104
620*
Conventional, 20% down, no PMI
$1,551
$47,760
$191,040
7.18%
None
$54,924
620*
ITIN, 15% down (example)
$1,772
$35,820
$202,980
8.18%
None
$42,984
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 Wright City and for Warren County.
Property tax
Effective rate in Wright City
0.79%of the home’s value each year
$1,887 a year for the typical owner in Wright City.
Wright City0.79%
Warren0.69%
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 Wright City is $894 a month: 10% below the county.
HUD publishes a fair market rent for all of Warren County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 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 Warren County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,064
$20.46
$42,560
1 bedroom
$1,104
$21.23
$44,160
2 bedrooms
$1,349
$25.94
$53,960
3 bedrooms
$1,731
$33.29
$69,240
4 bedrooms
$1,997
$38.40
$79,880
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 Wright City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wright City is in ZIP code 63390.
For 2 bedrooms it is $1,210: $139 less than the fair market rent for Warren County ($1,349).
Fair market rent by ZIP code and size in Wright City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63390
$950
$990
$1,210
$1,550
$1,790
ZIP code2 bd3 bd
63390 $1,210$1,550
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wright City 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.
We found no HUD-approved agencies with an office in Warren 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 Wright City or Warren County. The ones below are statewide in Missouri: they work in Wright City 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 Wright City or Warren 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 Wright City and all of Warren 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 Wright City?
The typical home value in Wright City is $238,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Warren County it is $260,400.
How much does it cost to rent in Wright City?
Typical rent in Wright City is $894 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Warren County is $1,349.
What is the FHA loan limit in Wright City?
Wright City uses the FHA limit for all of Warren 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 Wright City?
The typical homeowner in Wright City pays $1,887 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Warren County, the rate is 0.69%.
Where can I find free help to buy or rent in Wright City?
We found no HUD-approved counseling agencies with an office in Warren County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
