The typical owner-occupied home in Chula is worth about $76,300, 67% below the Missouri median of $230,300 and 77% below the national median of $332,700. Owners pay a median $700 a year in property taxes, about 0.92% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $40,625 a year, so the median home costs 1.9 times the median income (3.3 times for Missouri). 82% of occupied homes here are lived in by their owners, and 47% of those owners still have a mortgage.
Chula at a glance
| Chula | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $76,300 | $230,300 | $332,700 |
| Median property tax paid per year | $700 | $1,948 | $3,119 |
| Property tax as a share of value | 0.92% | 0.85% | 0.94% |
| Median household income | $40,625 | $70,702 | $80,734 |
| Homes lived in by their owners | 82% | 68% | 65% |
| Owner homes with a mortgage | 47% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $900 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 27.5% | 19.0% | 21.0% |
| Median rent | $581 | $1,033 | $1,413 |
| Rent as a share of renters' income | 17.5% | 28.1% | 30.6% |
| Median year homes were built | 1958 | 1978 | 1980 |
| Vacant homes | 25.6% | 11.2% | 10.1% |
| Population | 159 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Chula
At this week's average 30-year rate of 7.11%, buying the median Chula home of $76,300 with 20% down costs about $501 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $628, 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 $21,468 for the 20%-down payment. That payment is 15% of the median Chula household income of $40,625; at that income and 20% down, the 28% guideline points to a home of about $144,000.
The median rent here is $581 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $15,260 |
|---|---|
| Loan amount | $61,040 |
| Principal and interest | $411 |
| Property taxes (0.92% a year) | $58 |
| Homeowners insurance (our estimate, 0.5% a year) | $32 |
| PMI | $0 |
| Total per month | $501 |
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| Down payment | $2,670 |
|---|---|
| Loan amount | $74,918 |
| Principal and interest | $504 |
| Property taxes (0.92% a year) | $58 |
| Homeowners insurance (our estimate, 0.5% a year) | $32 |
| FHA mortgage insurance | $34 |
| Total per month | $628 |
Change the numbers in the calculator
Questions about home buying in Chula
What is the median home value in Chula?
About $76,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Chula?
Homeowners pay a median $700 a year, which is about 0.92% 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 Chula?
For the median home with 20% down at 7.11%, the payment is about $501 a month. Keeping that under 28% of gross income takes about $21,468 a year.
More about Chula
- Mortgage Refinance in Chula
- Debt Relief in Chula
- Home Equity Loans in Chula
- 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