The typical owner-occupied home in Bell City is worth about $47,500, 79% below the Missouri median of $230,300 and 86% below the national median of $332,700. Owners pay a median $385 a year in property taxes, about 0.81% of their home's value, close to the Missouri rate of 0.85%. 45% of occupied homes here are lived in by their owners, and 27% of those owners still have a mortgage.
Bell City at a glance
| Bell City | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $47,500 | $230,300 | $332,700 |
| Median property tax paid per year | $385 | $1,948 | $3,119 |
| Property tax as a share of value | 0.81% | 0.85% | 0.94% |
| Median household income | – | $70,702 | $80,734 |
| Homes lived in by their owners | 45% | 68% | 65% |
| Owner homes with a mortgage | 27% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $775 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 13.0% | 19.0% | 21.0% |
| Median rent | – | $1,033 | $1,413 |
| Rent as a share of renters' income | 25.3% | 28.1% | 30.6% |
| Median year homes were built | 1981 | 1978 | 1980 |
| Vacant homes | 7.0% | 11.2% | 10.1% |
| Population | 496 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Bell City
At this week's average 30-year rate of 7.11%, buying the median Bell City home of $47,500 with 20% down costs about $307 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $387, 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 $13,178 for the 20%-down payment.
| Down payment | $9,500 |
|---|---|
| Loan amount | $38,000 |
| Principal and interest | $256 |
| Property taxes (0.81% a year) | $32 |
| Homeowners insurance (our estimate, 0.5% a year) | $20 |
| PMI | $0 |
| Total per month | $307 |
Change the numbers in the calculator
| Down payment | $1,662 |
|---|---|
| Loan amount | $46,640 |
| Principal and interest | $314 |
| Property taxes (0.81% a year) | $32 |
| Homeowners insurance (our estimate, 0.5% a year) | $20 |
| FHA mortgage insurance | $21 |
| Total per month | $387 |
Change the numbers in the calculator
Questions about home buying in Bell City
What is the median home value in Bell City?
About $47,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bell City?
Homeowners pay a median $385 a year, which is about 0.81% 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 Bell City?
For the median home with 20% down at 7.11%, the payment is about $307 a month. Keeping that under 28% of gross income takes about $13,178 a year.
More about Bell City
- Mortgage Refinance in Bell City
- Debt Relief in Bell City
- Home Equity Loans in Bell City
- 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