The typical owner-occupied home in Rock Port is worth about $115,600, 50% below the Missouri median of $230,300 and 65% below the national median of $332,700. Owners pay a median $1,455 a year in property taxes, about 1.26% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $45,815 a year, so the median home costs 2.5 times the median income (3.3 times for Missouri). 76% of occupied homes here are lived in by their owners, and 49% of those owners still have a mortgage.
Rock Port at a glance
| Rock Port | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $115,600 | $230,300 | $332,700 |
| Median property tax paid per year | $1,455 | $1,948 | $3,119 |
| Property tax as a share of value | 1.26% | 0.85% | 0.94% |
| Median household income | $45,815 | $70,702 | $80,734 |
| Homes lived in by their owners | 76% | 68% | 65% |
| Owner homes with a mortgage | 49% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,158 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 17.9% | 19.0% | 21.0% |
| Median rent | $666 | $1,033 | $1,413 |
| Rent as a share of renters' income | 24.0% | 28.1% | 30.6% |
| Median year homes were built | 1960 | 1978 | 1980 |
| Vacant homes | 15.9% | 11.2% | 10.1% |
| Population | 1,221 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Rock Port
At this week's average 30-year rate of 7.11%, buying the median Rock Port home of $115,600 with 20% down costs about $792 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $984, 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 $33,929 for the 20%-down payment. That payment is 21% of the median Rock Port household income of $45,815; at that income and 20% down, the 28% guideline points to a home of about $156,000.
The median rent here is $666 a month, so owning the median home costs about $126 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $23,120 |
|---|---|
| Loan amount | $92,480 |
| Principal and interest | $622 |
| Property taxes (1.26% a year) | $121 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| PMI | $0 |
| Total per month | $792 |
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| Down payment | $4,046 |
|---|---|
| Loan amount | $113,506 |
| Principal and interest | $764 |
| Property taxes (1.26% a year) | $121 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| FHA mortgage insurance | $51 |
| Total per month | $984 |
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Questions about home buying in Rock Port
What is the median home value in Rock Port?
About $115,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Rock Port?
Homeowners pay a median $1,455 a year, which is about 1.26% 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 Rock Port?
For the median home with 20% down at 7.11%, the payment is about $792 a month. Keeping that under 28% of gross income takes about $33,929 a year.
More about Rock Port
- Mortgage Refinance in Rock Port
- Debt Relief in Rock Port
- Home Equity Loans in Rock Port
- 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