How much house can I afford on $80,000 in Missouri?
About $285,000 with 20% down ($227,000 with an FHA loan), using Missouri's 0.79% property tax rate.
That is $20,024 more than the typical Missouri home ($265,387), so a $80,000 salary can buy a typical home here. The payment of $1,867 covers $1,536 principal and interest, $188 property tax and $143 insurance.
Counties in Missouri you can afford on $80,000
97 of 113 counties have a typical home value at or below $285,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Ray County | $262,323 | +4.4% | 0.8% |
| Ralls County | $258,256 | +4.4% | 0.73% |
| Greene County | $255,838 | +3.2% | 0.71% |
| 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% |
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 $80,000 in Missouri?
About $285,000 with 20% down at 7.11%, keeping the payment (with Missouri's 0.79% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Missouri?
Yes: the typical Missouri home is worth $265,387 (Zillow, September 2026) and $80,000 supports about $285,000. 97 of 113 counties are within budget.