The typical owner-occupied home in Vandalia is worth about $84,500, 63% below the Missouri median of $230,300 and 75% below the national median of $332,700. Owners pay a median $733 a year in property taxes, about 0.87% of their home's value, close to the Missouri rate of 0.85%. The median household earns $50,313 a year, so the median home costs 1.7 times the median income (3.3 times for Missouri). 65% of occupied homes here are lived in by their owners, and 27% of those owners still have a mortgage.
Vandalia at a glance
| Vandalia | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $84,500 | $230,300 | $332,700 |
| Median property tax paid per year | $733 | $1,948 | $3,119 |
| Property tax as a share of value | 0.87% | 0.85% | 0.94% |
| Median household income | $50,313 | $70,702 | $80,734 |
| Homes lived in by their owners | 65% | 68% | 65% |
| Owner homes with a mortgage | 27% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $830 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 13.3% | 19.0% | 21.0% |
| Median rent | $814 | $1,033 | $1,413 |
| Rent as a share of renters' income | 32.4% | 28.1% | 30.6% |
| Median year homes were built | 1959 | 1978 | 1980 |
| Vacant homes | 16.6% | 11.2% | 10.1% |
| Population | 3,140 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Vandalia
At this week's average 30-year rate of 7.11%, buying the median Vandalia home of $84,500 with 20% down costs about $551 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $692, 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 $23,624 for the 20%-down payment. That payment is 13% of the median Vandalia household income of $50,313; at that income and 20% down, the 28% guideline points to a home of about $180,000.
The median rent here is $814 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $16,900 |
|---|---|
| Loan amount | $67,600 |
| Principal and interest | $455 |
| Property taxes (0.87% a year) | $61 |
| Homeowners insurance (our estimate, 0.5% a year) | $35 |
| PMI | $0 |
| Total per month | $551 |
Change the numbers in the calculator
| Down payment | $2,958 |
|---|---|
| Loan amount | $82,969 |
| Principal and interest | $558 |
| Property taxes (0.87% a year) | $61 |
| Homeowners insurance (our estimate, 0.5% a year) | $35 |
| FHA mortgage insurance | $37 |
| Total per month | $692 |
Change the numbers in the calculator
Questions about home buying in Vandalia
What is the median home value in Vandalia?
About $84,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Vandalia?
Homeowners pay a median $733 a year, which is about 0.87% 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 Vandalia?
For the median home with 20% down at 7.11%, the payment is about $551 a month. Keeping that under 28% of gross income takes about $23,624 a year.
More about Vandalia
- Mortgage Refinance in Vandalia
- Debt Relief in Vandalia
- Home Equity Loans in Vandalia
- 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