The typical owner-occupied home in Lone Jack is worth about $330,100, 43% above the Missouri median of $230,300 and about the same as the national median of $332,700. Owners pay a median $3,605 a year in property taxes, about 1.09% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $121,389 a year, so the median home costs 2.7 times the median income (3.3 times for Missouri). 90% of occupied homes here are lived in by their owners, and 76% of those owners still have a mortgage.
Lone Jack at a glance
| Lone Jack | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $330,100 | $230,300 | $332,700 |
| Median property tax paid per year | $3,605 | $1,948 | $3,119 |
| Property tax as a share of value | 1.09% | 0.85% | 0.94% |
| Median household income | $121,389 | $70,702 | $80,734 |
| Homes lived in by their owners | 90% | 68% | 65% |
| Owner homes with a mortgage | 76% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,986 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 19.0% | 19.0% | 21.0% |
| Median rent | $1,203 | $1,033 | $1,413 |
| Rent as a share of renters' income | 18.3% | 28.1% | 30.6% |
| Median year homes were built | 2006 | 1978 | 1980 |
| Vacant homes | 0.0% | 11.2% | 10.1% |
| Population | 1,412 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Lone Jack
At this week's average 30-year rate of 7.11%, buying the median Lone Jack home of $330,100 with 20% down costs about $2,214 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,764, 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 $94,880 for the 20%-down payment. That payment is 22% of the median Lone Jack household income of $121,389; at that income and 20% down, the 28% guideline points to a home of about $422,000.
The median rent here is $1,203 a month, so owning the median home costs about $1,011 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $66,020 |
|---|---|
| Loan amount | $264,080 |
| Principal and interest | $1,776 |
| Property taxes (1.09% a year) | $300 |
| Homeowners insurance (our estimate, 0.5% a year) | $138 |
| PMI | $0 |
| Total per month | $2,214 |
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| Down payment | $11,554 |
|---|---|
| Loan amount | $324,121 |
| Principal and interest | $2,180 |
| Property taxes (1.09% a year) | $300 |
| Homeowners insurance (our estimate, 0.5% a year) | $138 |
| FHA mortgage insurance | $146 |
| Total per month | $2,764 |
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Questions about home buying in Lone Jack
What is the median home value in Lone Jack?
About $330,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Lone Jack?
Homeowners pay a median $3,605 a year, which is about 1.09% 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 Lone Jack?
For the median home with 20% down at 7.11%, the payment is about $2,214 a month. Keeping that under 28% of gross income takes about $94,880 a year.
More about Lone Jack
- Mortgage Refinance in Lone Jack
- Debt Relief in Lone Jack
- Home Equity Loans in Lone Jack
- 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