How much house can I afford on $180,000 in Missouri?
About $642,000 with 20% down ($512,000 with an FHA loan), using Missouri's 0.79% property tax rate.
That is $376,788 more than the typical Missouri home ($265,387), so a $180,000 salary can buy a typical home here. The payment of $4,200 covers $3,456 principal and interest, $423 property tax and $321 insurance.
Counties in Missouri you can afford on $180,000
113 of 113 counties have a typical home value at or below $642,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Platte County | $389,181 | +2.2% | 1.05% |
| Saint Charles County | $372,123 | +2.2% | 1.08% |
| Cass County | $341,122 | +4.1% | 0.86% |
| Warren County | $336,425 | +2.2% | 0.69% |
| Boone County | $328,757 | +2.5% | 0.85% |
| Stone County | $327,095 | +3.9% | 0.47% |
| Camden County | $323,721 | -3.6% | 0.47% |
| Christian County | $318,549 | +2.6% | 0.7% |
| Clay County | $318,510 | +2.4% | 1.07% |
| Lincoln County | $316,603 | +5.4% | 0.74% |
| Clinton County | $292,081 | +5.5% | 0.81% |
| Jefferson County | $291,892 | +4.3% | 0.8% |
| Morgan County | $291,124 | +3.7% | 0.56% |
| Andrew County | $289,942 | +6.2% | 0.73% |
| Cole County | $285,878 | +7.7% | 0.77% |
| Saint Louis County | $285,675 | +2.8% | 1.2% |
| Johnson County | $284,128 | +4.0% | 0.66% |
| Daviess County | $280,878 | +8.0% | 0.66% |
| Polk County | $274,050 | +2.0% | 0.55% |
| Callaway County | $270,364 | +6.7% | 0.77% |
| Webster County | $268,140 | +5.0% | 0.52% |
| Sainte Genevieve County | $265,523 | +10.4% | 0.63% |
| Osage County | $265,223 | +4.6% | 0.59% |
| Franklin County | $264,683 | +4.9% | 0.8% |
| Miller County | $263,109 | +3.6% | 0.57% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Missouri
Frequently asked questions
How much house can I afford on $180,000 in Missouri?
About $642,000 with 20% down at 7.11%, keeping the payment (with Missouri's 0.79% property tax and insurance) under $4,200 a month.
Is $180,000 enough to buy a house in Missouri?
Yes: the typical Missouri home is worth $265,387 (Zillow, September 2026) and $180,000 supports about $642,000. 113 of 113 counties are within budget.