The typical owner-occupied home in Carroll County is worth about $117,500, 49% below the Missouri median of $230,300 and 65% below the national median of $332,700. Owners pay a median $924 a year in property taxes, about 0.79% of their home's value, lower than the Missouri rate of 0.85%. The median household earns $62,154 a year, so the median home costs 1.9 times the median income (3.3 times for Missouri). 72% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
Carroll County at a glance
| Carroll County | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $117,500 | $230,300 | $332,700 |
| Median property tax paid per year | $924 | $1,948 | $3,119 |
| Property tax as a share of value | 0.79% | 0.85% | 0.94% |
| Median household income | $62,154 | $70,702 | $80,734 |
| Homes lived in by their owners | 72% | 68% | 65% |
| Owner homes with a mortgage | 48% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,009 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 17.5% | 19.0% | 21.0% |
| Median rent | $822 | $1,033 | $1,413 |
| Rent as a share of renters' income | 26.7% | 28.1% | 30.6% |
| Median year homes were built | 1961 | 1978 | 1980 |
| Vacant homes | 19.6% | 11.2% | 10.1% |
| Population | 8,411 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Carroll County
At this week's average 30-year rate of 7.11%, buying the median Carroll County home of $117,500 with 20% down costs about $759 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $954, 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 $32,514 for the 20%-down payment. That payment is 15% of the median Carroll County household income of $62,154; at that income and 20% down, the 28% guideline points to a home of about $225,000.
The median rent here is $822 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,500 |
|---|---|
| Loan amount | $94,000 |
| Principal and interest | $632 |
| Property taxes (0.79% a year) | $77 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| PMI | $0 |
| Total per month | $759 |
Change the numbers in the calculator
| Down payment | $4,112 |
|---|---|
| Loan amount | $115,372 |
| Principal and interest | $776 |
| Property taxes (0.79% a year) | $77 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| FHA mortgage insurance | $52 |
| Total per month | $954 |
Change the numbers in the calculator
Questions about home buying in Carroll County
What is the median home value in Carroll County?
About $117,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Carroll County?
Homeowners pay a median $924 a year, which is about 0.79% 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 Carroll County?
For the median home with 20% down at 7.11%, the payment is about $759 a month. Keeping that under 28% of gross income takes about $32,514 a year.
More about Carroll County
- Mortgage Refinance in Carroll County
- Debt Relief in Carroll County
- Home Equity Loans in Carroll County
- 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