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How much house can I afford on $65,000 in Missouri?

Quick answer

On a $65,000 salary in Missouri, you can afford about $183,000–$240,000 with a conventional loan (5% down) or up to $232,000 with FHA, using Missouri's 0.88% effective property tax rate. That's above the state's median home value of $215,600, assuming no other monthly debts.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Estimated max home price

$240,000

Estimated payment $1,948/mo

Down payment
$12,000
Loan amount
$228,000
Monthly housing payment
$1,948

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How does $65,000 compare with typical Missouri incomes and prices?

$65,000 is 94% of the Missouri median household income. Your estimated 36%-DTI budget of $240,000 is $24,400 above the statewide median home value.

ScenarioMax priceMonthly paymentDown payment
Conventional, 28% DTI$183,000$1,516$9,150
Conventional, 36% DTI$240,000$1,947$12,000
FHA, 28% DTI$176,000$1,509$6,160
FHA, 36% DTI$232,000$1,947$8,120

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Missouri cities with a median home value under $240,000

Kansas City ($227,000)St. Louis ($185,100)Springfield ($165,200)Independence ($166,400)St. Joseph ($144,200)Joplin ($159,700)Florissant ($136,200)Jefferson City ($208,000)Cape Girardeau ($186,100)Raytown ($162,000)

Frequently asked questions

Missouri's median home value is $215,600. On $65,000 you can afford up to about $240,000 at 36% DTI, so a median-priced home is within reach.

Missouri homeowners pay a median of $1,887 a year — an effective rate of about 0.88% of home value (Census ACS 2019–2023).

The average HO-3 homeowners premium in Missouri was $1,589 a year in 2023, according to the NAIC.

Compare home costs in Missouri

$150,000 house$200,000 house$250,000 house$300,000 house

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.