How much house can I afford on $70,000 in Missouri?
About $250,000 with 20% down ($199,000 with an FHA loan), using Missouri's 0.79% property tax rate.
That is $15,653 less than the typical Missouri home ($265,387), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,344 principal and interest, $164 property tax and $125 insurance.
Counties in Missouri you can afford on $70,000
85 of 113 counties have a typical home value at or below $250,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lafayette County | $248,526 | +7.3% | 0.73% |
| Jackson County | $247,543 | +2.7% | 1.12% |
| Maries County | $247,200 | +9.0% | 0.51% |
| Caldwell County | $246,003 | +3.5% | 0.8% |
| Taney County | $245,474 | -0.6% | 0.55% |
| Newton County | $244,970 | +4.6% | 0.63% |
| Barry County | $242,990 | +3.9% | 0.53% |
| Cooper County | $242,786 | +3.9% | 0.66% |
| Cape Girardeau County | $242,411 | +4.5% | 0.64% |
| Moniteau County | $241,712 | +4.7% | 0.68% |
| Douglas County | $239,433 | +7.2% | 0.44% |
| Dallas County | $239,061 | +7.1% | 0.4% |
| Laclede County | $237,472 | +5.3% | 0.6% |
| DeKalb County | $236,909 | +5.7% | 0.76% |
| Gasconade County | $236,772 | +4.0% | 0.73% |
| Perry County | $236,630 | +7.6% | 0.74% |
| Montgomery County | $236,099 | +10.9% | 0.76% |
| Phelps County | $232,325 | +5.3% | 0.64% |
| Pulaski County | $231,876 | +4.3% | 0.61% |
| McDonald County | $230,115 | +5.1% | 0.46% |
| Cedar County | $229,184 | +5.3% | 0.62% |
| Howard County | $227,624 | +6.2% | 0.77% |
| Bates County | $226,765 | +3.5% | 0.61% |
| Ozark County | $224,762 | +5.8% | 0.44% |
| Henry County | $223,535 | +3.5% | 0.81% |
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 $70,000 in Missouri?
About $250,000 with 20% down at 7.11%, keeping the payment (with Missouri's 0.79% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Missouri?
Not the typical home: the typical Missouri home is worth $265,387 (Zillow, September 2026) and $70,000 supports about $250,000. 85 of 113 counties are within budget.