The typical owner-occupied home in Owensville is worth about $139,800, 39% below the Missouri median of $230,300 and 58% below the national median of $332,700. Owners pay a median $963 a year in property taxes, about 0.69% of their home's value, lower than the Missouri rate of 0.85%. The median household earns $49,149 a year, so the median home costs 2.8 times the median income (3.3 times for Missouri). 60% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Owensville at a glance
| Owensville | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $139,800 | $230,300 | $332,700 |
| Median property tax paid per year | $963 | $1,948 | $3,119 |
| Property tax as a share of value | 0.69% | 0.85% | 0.94% |
| Median household income | $49,149 | $70,702 | $80,734 |
| Homes lived in by their owners | 60% | 68% | 65% |
| Owner homes with a mortgage | 58% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,144 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 24.0% | 19.0% | 21.0% |
| Median rent | $676 | $1,033 | $1,413 |
| Rent as a share of renters' income | 23.2% | 28.1% | 30.6% |
| Median year homes were built | 1969 | 1978 | 1980 |
| Vacant homes | 12.4% | 11.2% | 10.1% |
| Population | 2,806 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Owensville
At this week's average 30-year rate of 7.11%, buying the median Owensville home of $139,800 with 20% down costs about $891 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,124, 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 $38,185 for the 20%-down payment. That payment is 22% of the median Owensville household income of $49,149; at that income and 20% down, the 28% guideline points to a home of about $180,000.
The median rent here is $676 a month, so owning the median home costs about $215 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $27,960 |
|---|---|
| Loan amount | $111,840 |
| Principal and interest | $752 |
| Property taxes (0.69% a year) | $80 |
| Homeowners insurance (our estimate, 0.5% a year) | $58 |
| PMI | $0 |
| Total per month | $891 |
Change the numbers in the calculator
| Down payment | $4,893 |
|---|---|
| Loan amount | $137,268 |
| Principal and interest | $923 |
| Property taxes (0.69% a year) | $80 |
| Homeowners insurance (our estimate, 0.5% a year) | $58 |
| FHA mortgage insurance | $62 |
| Total per month | $1,124 |
Change the numbers in the calculator
Questions about home buying in Owensville
What is the median home value in Owensville?
About $139,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Owensville?
Homeowners pay a median $963 a year, which is about 0.69% 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 Owensville?
For the median home with 20% down at 7.11%, the payment is about $891 a month. Keeping that under 28% of gross income takes about $38,185 a year.
More about Owensville
- Mortgage Refinance in Owensville
- Debt Relief in Owensville
- Home Equity Loans in Owensville
- 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