How much house can I afford on $60,000 in Missouri?
About $214,000 with 20% down ($171,000 with an FHA loan), using Missouri's 0.79% property tax rate.
That is $51,329 less than the typical Missouri home ($265,387), so on $60,000 you'd look at cheaper areas or a smaller home. The payment of $1,400 covers $1,152 principal and interest, $141 property tax and $107 insurance.
Counties in Missouri you can afford on $60,000
54 of 113 counties have a typical home value at or below $214,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lewis County | $211,970 | +9.7% | 0.71% |
| Wright County | $208,979 | +3.6% | 0.4% |
| Putnam County | $206,807 | +4.8% | 1.01% |
| Lawrence County | $205,738 | +1.7% | 0.59% |
| Texas County | $204,908 | +8.2% | 0.49% |
| Hickory County | $204,845 | +12.1% | 0.41% |
| Saint Clair County | $204,249 | +4.3% | 0.61% |
| Dade County | $199,292 | +6.4% | 0.62% |
| Macon County | $198,532 | +4.0% | 0.69% |
| Marion County | $198,277 | +4.0% | 0.82% |
| Knox County | $197,801 | +10.8% | 0.83% |
| Pettis County | $197,598 | +2.0% | 0.78% |
| Bollinger County | $197,155 | +3.4% | 0.58% |
| Shelby County | $196,909 | +9.0% | 0.86% |
| Saline County | $194,286 | +6.0% | 0.78% |
| Carter County | $193,875 | +4.0% | 0.42% |
| Benton County | $193,305 | +1.9% | 0.53% |
| Saint Francois County | $193,128 | +2.4% | 0.7% |
| Adair County | $192,861 | +4.7% | 0.77% |
| Livingston County | $192,610 | +0.9% | 0.81% |
| Dent County | $192,514 | +6.3% | 0.52% |
| Washington County | $190,976 | +6.7% | 0.56% |
| Buchanan County | $190,751 | +4.1% | 0.77% |
| Audrain County | $190,175 | +8.5% | 0.79% |
| Barton County | $183,965 | +2.6% | 0.71% |
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 $60,000 in Missouri?
About $214,000 with 20% down at 7.11%, keeping the payment (with Missouri's 0.79% property tax and insurance) under $1,400 a month.
Is $60,000 enough to buy a house in Missouri?
Not the typical home: the typical Missouri home is worth $265,387 (Zillow, September 2026) and $60,000 supports about $214,000. 54 of 113 counties are within budget.