The typical owner-occupied home in Eureka is worth about $379,200, 65% above the Missouri median of $230,300 and 14% above the national median of $332,700. Owners pay a median $4,587 a year in property taxes, about 1.21% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $108,394 a year, so the median home costs 3.5 times the median income (3.3 times for Missouri). 79% of occupied homes here are lived in by their owners, and 82% of those owners still have a mortgage.
Eureka at a glance
| Eureka | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $379,200 | $230,300 | $332,700 |
| Median property tax paid per year | $4,587 | $1,948 | $3,119 |
| Property tax as a share of value | 1.21% | 0.85% | 0.94% |
| Median household income | $108,394 | $70,702 | $80,734 |
| Homes lived in by their owners | 79% | 68% | 65% |
| Owner homes with a mortgage | 82% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $2,230 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 20.4% | 19.0% | 21.0% |
| Median rent | $1,252 | $1,033 | $1,413 |
| Rent as a share of renters' income | 26.9% | 28.1% | 30.6% |
| Median year homes were built | 1999 | 1978 | 1980 |
| Vacant homes | 2.4% | 11.2% | 10.1% |
| Population | 13,081 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Eureka
At this week's average 30-year rate of 7.11%, buying the median Eureka home of $379,200 with 20% down costs about $2,581 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,213, 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 $110,618 for the 20%-down payment. That payment is 29% of the median Eureka household income of $108,394; at that income and 20% down, the 28% guideline points to a home of about $372,000.
The median rent here is $1,252 a month, so owning the median home costs about $1,329 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $75,840 |
|---|---|
| Loan amount | $303,360 |
| Principal and interest | $2,041 |
| Property taxes (1.21% a year) | $382 |
| Homeowners insurance (our estimate, 0.5% a year) | $158 |
| PMI | $0 |
| Total per month | $2,581 |
Change the numbers in the calculator
| Down payment | $13,272 |
|---|---|
| Loan amount | $372,332 |
| Principal and interest | $2,505 |
| Property taxes (1.21% a year) | $382 |
| Homeowners insurance (our estimate, 0.5% a year) | $158 |
| FHA mortgage insurance | $168 |
| Total per month | $3,213 |
Change the numbers in the calculator
Questions about home buying in Eureka
What is the median home value in Eureka?
About $379,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Eureka?
Homeowners pay a median $4,587 a year, which is about 1.21% 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 Eureka?
For the median home with 20% down at 7.11%, the payment is about $2,581 a month. Keeping that under 28% of gross income takes about $110,618 a year.
More about Eureka
- Mortgage Refinance in Eureka
- Debt Relief in Eureka
- Home Equity Loans in Eureka
- 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