The typical owner-occupied home in Moniteau County is worth about $181,900, 21% below the Missouri median of $230,300 and 45% below the national median of $332,700. Owners pay a median $1,245 a year in property taxes, about 0.68% of their home's value, lower than the Missouri rate of 0.85%. The median household earns $65,715 a year, so the median home costs 2.8 times the median income (3.3 times for Missouri). 79% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Moniteau County at a glance
| Moniteau County | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $181,900 | $230,300 | $332,700 |
| Median property tax paid per year | $1,245 | $1,948 | $3,119 |
| Property tax as a share of value | 0.68% | 0.85% | 0.94% |
| Median household income | $65,715 | $70,702 | $80,734 |
| Homes lived in by their owners | 79% | 68% | 65% |
| Owner homes with a mortgage | 53% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,280 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 19.1% | 19.0% | 21.0% |
| Median rent | $735 | $1,033 | $1,413 |
| Rent as a share of renters' income | 23.6% | 28.1% | 30.6% |
| Median year homes were built | 1979 | 1978 | 1980 |
| Vacant homes | 7.2% | 11.2% | 10.1% |
| Population | 15,262 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Moniteau County
At this week's average 30-year rate of 7.11%, buying the median Moniteau County home of $181,900 with 20% down costs about $1,158 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,461, 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 $49,620 for the 20%-down payment. That payment is 21% of the median Moniteau County household income of $65,715; at that income and 20% down, the 28% guideline points to a home of about $241,000.
The median rent here is $735 a month, so owning the median home costs about $423 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $36,380 |
|---|---|
| Loan amount | $145,520 |
| Principal and interest | $979 |
| Property taxes (0.68% a year) | $103 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| PMI | $0 |
| Total per month | $1,158 |
Change the numbers in the calculator
| Down payment | $6,366 |
|---|---|
| Loan amount | $178,605 |
| Principal and interest | $1,201 |
| Property taxes (0.68% a year) | $103 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| FHA mortgage insurance | $80 |
| Total per month | $1,461 |
Change the numbers in the calculator
Questions about home buying in Moniteau County
What is the median home value in Moniteau County?
About $181,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Moniteau County?
Homeowners pay a median $1,245 a year, which is about 0.68% 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 Moniteau County?
For the median home with 20% down at 7.11%, the payment is about $1,158 a month. Keeping that under 28% of gross income takes about $49,620 a year.
More about Moniteau County
- Mortgage Refinance in Moniteau County
- Debt Relief in Moniteau County
- Home Equity Loans in Moniteau 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