The typical owner-occupied home in Defiance is worth about $512,500, 2.2 times the Missouri median of $230,300 and 54% above the national median of $332,700. Owners pay a median $3,050 a year in property taxes, about 0.60% of their home's value, lower than the Missouri rate of 0.85%. 100% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Defiance at a glance
| Defiance | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $512,500 | $230,300 | $332,700 |
| Median property tax paid per year | $3,050 | $1,948 | $3,119 |
| Property tax as a share of value | 0.60% | 0.85% | 0.94% |
| Median household income | – | $70,702 | $80,734 |
| Homes lived in by their owners | 100% | 68% | 65% |
| Owner homes with a mortgage | 32% | 60% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,524 | $1,963 |
| Median rent | – | $1,033 | $1,413 |
| Median year homes were built | 1991 | 1978 | 1980 |
| Vacant homes | 0.0% | 11.2% | 10.1% |
| Population | 63 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Defiance
At this week's average 30-year rate of 7.11%, buying the median Defiance home of $512,500 with 20% down costs about $3,228 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,082, 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 $138,338 for the 20%-down payment.
| Down payment | $102,500 |
|---|---|
| Loan amount | $410,000 |
| Principal and interest | $2,758 |
| Property taxes (0.60% a year) | $256 |
| Homeowners insurance (our estimate, 0.5% a year) | $214 |
| PMI | $0 |
| Total per month | $3,228 |
Change the numbers in the calculator
| Down payment | $17,938 |
|---|---|
| Loan amount | $503,217 |
| Principal and interest | $3,385 |
| Property taxes (0.60% a year) | $256 |
| Homeowners insurance (our estimate, 0.5% a year) | $214 |
| FHA mortgage insurance | $227 |
| Total per month | $4,082 |
Change the numbers in the calculator
Questions about home buying in Defiance
What is the median home value in Defiance?
About $512,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Defiance?
Homeowners pay a median $3,050 a year, which is about 0.60% 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 Defiance?
For the median home with 20% down at 7.11%, the payment is about $3,228 a month. Keeping that under 28% of gross income takes about $138,338 a year.
More about Defiance
- Mortgage Refinance in Defiance
- Debt Relief in Defiance
- Home Equity Loans in Defiance
- 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