The typical owner-occupied home in Niangua is worth about $105,400, 54% below the Missouri median of $230,300 and 68% below the national median of $332,700. Owners pay a median $613 a year in property taxes, about 0.58% of their home's value, lower than the Missouri rate of 0.85%. The median household earns $45,179 a year, so the median home costs 2.3 times the median income (3.3 times for Missouri). 51% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Niangua at a glance
| Niangua | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $105,400 | $230,300 | $332,700 |
| Median property tax paid per year | $613 | $1,948 | $3,119 |
| Property tax as a share of value | 0.58% | 0.85% | 0.94% |
| Median household income | $45,179 | $70,702 | $80,734 |
| Homes lived in by their owners | 51% | 68% | 65% |
| Owner homes with a mortgage | 54% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,063 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 21.7% | 19.0% | 21.0% |
| Median rent | $693 | $1,033 | $1,413 |
| Rent as a share of renters' income | 36.4% | 28.1% | 30.6% |
| Median year homes were built | 1974 | 1978 | 1980 |
| Vacant homes | 14.0% | 11.2% | 10.1% |
| Population | 537 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Niangua
At this week's average 30-year rate of 7.11%, buying the median Niangua home of $105,400 with 20% down costs about $662 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $838, 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 $28,375 for the 20%-down payment. That payment is 18% of the median Niangua household income of $45,179; at that income and 20% down, the 28% guideline points to a home of about $168,000.
The median rent here is $693 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $21,080 |
|---|---|
| Loan amount | $84,320 |
| Principal and interest | $567 |
| Property taxes (0.58% a year) | $51 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| PMI | $0 |
| Total per month | $662 |
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| Down payment | $3,689 |
|---|---|
| Loan amount | $103,491 |
| Principal and interest | $696 |
| Property taxes (0.58% a year) | $51 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| FHA mortgage insurance | $47 |
| Total per month | $838 |
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Questions about home buying in Niangua
What is the median home value in Niangua?
About $105,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Niangua?
Homeowners pay a median $613 a year, which is about 0.58% 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 Niangua?
For the median home with 20% down at 7.11%, the payment is about $662 a month. Keeping that under 28% of gross income takes about $28,375 a year.
More about Niangua
- Mortgage Refinance in Niangua
- Debt Relief in Niangua
- Home Equity Loans in Niangua
- 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