The typical owner-occupied home in Kirksville is worth about $153,900, 33% below the Missouri median of $230,300 and 54% below the national median of $332,700. Owners pay a median $1,306 a year in property taxes, about 0.85% of their home's value, close to the Missouri rate of 0.85%. The median household earns $50,071 a year, so the median home costs 3.1 times the median income (3.3 times for Missouri). 48% of occupied homes here are lived in by their owners, and 57% of those owners still have a mortgage.
Kirksville at a glance
| Kirksville | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $153,900 | $230,300 | $332,700 |
| Median property tax paid per year | $1,306 | $1,948 | $3,119 |
| Property tax as a share of value | 0.85% | 0.85% | 0.94% |
| Median household income | $50,071 | $70,702 | $80,734 |
| Homes lived in by their owners | 48% | 68% | 65% |
| Owner homes with a mortgage | 57% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,095 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 16.7% | 19.0% | 21.0% |
| Median rent | $775 | $1,033 | $1,413 |
| Rent as a share of renters' income | 24.9% | 28.1% | 30.6% |
| Median year homes were built | 1971 | 1978 | 1980 |
| Vacant homes | 17.8% | 11.2% | 10.1% |
| Population | 17,563 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Kirksville
At this week's average 30-year rate of 7.11%, buying the median Kirksville home of $153,900 with 20% down costs about $1,001 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,258, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $42,916 for the 20%-down payment. That payment is 24% of the median Kirksville household income of $50,071; at that income and 20% down, the 28% guideline points to a home of about $180,000.
The median rent here is $775 a month, so owning the median home costs about $226 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,780 |
|---|---|
| Loan amount | $123,120 |
| Principal and interest | $828 |
| Property taxes (0.85% a year) | $109 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| PMI | $0 |
| Total per month | $1,001 |
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| Down payment | $5,386 |
|---|---|
| Loan amount | $151,112 |
| Principal and interest | $1,017 |
| Property taxes (0.85% a year) | $109 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| FHA mortgage insurance | $68 |
| Total per month | $1,258 |
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Questions about home buying in Kirksville
What is the median home value in Kirksville?
About $153,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kirksville?
Homeowners pay a median $1,306 a year, which is about 0.85% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Kirksville?
For the median home with 20% down at 7.11%, the payment is about $1,001 a month. Keeping that under 28% of gross income takes about $42,916 a year.
More about Kirksville
- Mortgage Refinance in Kirksville
- Debt Relief in Kirksville
- Home Equity Loans in Kirksville
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data