The typical owner-occupied home in Villa Ridge is worth about $166,600, 28% below the Missouri median of $230,300 and 50% below the national median of $332,700. Owners pay a median $1,633 a year in property taxes, about 0.98% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $73,826 a year, so the median home costs 2.3 times the median income (3.3 times for Missouri). 83% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
Villa Ridge at a glance
| Villa Ridge | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $166,600 | $230,300 | $332,700 |
| Median property tax paid per year | $1,633 | $1,948 | $3,119 |
| Property tax as a share of value | 0.98% | 0.85% | 0.94% |
| Median household income | $73,826 | $70,702 | $80,734 |
| Homes lived in by their owners | 83% | 68% | 65% |
| Owner homes with a mortgage | 65% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,174 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 14.2% | 19.0% | 21.0% |
| Median rent | $1,462 | $1,033 | $1,413 |
| Rent as a share of renters' income | 35.0% | 28.1% | 30.6% |
| Median year homes were built | 1982 | 1978 | 1980 |
| Vacant homes | 0.0% | 11.2% | 10.1% |
| Population | 2,835 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Villa Ridge
At this week's average 30-year rate of 7.11%, buying the median Villa Ridge home of $166,600 with 20% down costs about $1,102 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,380, 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 $47,231 for the 20%-down payment. That payment is 18% of the median Villa Ridge household income of $73,826; at that income and 20% down, the 28% guideline points to a home of about $260,000.
The median rent here is $1,462 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $33,320 |
|---|---|
| Loan amount | $133,280 |
| Principal and interest | $897 |
| Property taxes (0.98% a year) | $136 |
| Homeowners insurance (our estimate, 0.5% a year) | $69 |
| PMI | $0 |
| Total per month | $1,102 |
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| Down payment | $5,831 |
|---|---|
| Loan amount | $163,582 |
| Principal and interest | $1,100 |
| Property taxes (0.98% a year) | $136 |
| Homeowners insurance (our estimate, 0.5% a year) | $69 |
| FHA mortgage insurance | $74 |
| Total per month | $1,380 |
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Questions about home buying in Villa Ridge
What is the median home value in Villa Ridge?
About $166,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Villa Ridge?
Homeowners pay a median $1,633 a year, which is about 0.98% 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 Villa Ridge?
For the median home with 20% down at 7.11%, the payment is about $1,102 a month. Keeping that under 28% of gross income takes about $47,231 a year.
More about Villa Ridge
- Mortgage Refinance in Villa Ridge
- Debt Relief in Villa Ridge
- Home Equity Loans in Villa Ridge
- 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