Adair County, Missouri home prices
Typical home $192,861 · +4.7% in a year · property tax 0.77%
The typical home in Adair County is worth $192,861, 27% less than the Missouri typical home ($265,387). Values changed +4.7% in the past year and +17.5% over five years. Homeowners here pay a median 0.77% of their home's value in property tax each year ($1,485 on the typical home), versus 0.79% statewide.
Mortgage on the typical Adair County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,572 | $154,289 | $1,038 | $0 | $220 | $1,258 | $53,900 |
| 10% down | $19,286 | $173,575 | $1,168 | $72 | $220 | $1,460 | $62,600 |
| 5% down | $9,643 | $183,218 | $1,233 | $76 | $220 | $1,529 | $65,500 |
| 3.5% down (FHA) | $6,750 | $189,367 | $1,274 | $85 | $220 | $1,579 | $67,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% 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.
What it takes: see what you can afford by salary in Missouri · part of the Kirksville metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Livingston County | $192,610 | +0.9% | 0.81% |
| Saint Francois County | $193,128 | +2.4% | 0.7% |
| Dent County | $192,514 | +6.3% | 0.52% |
| Benton County | $193,305 | +1.9% | 0.53% |
| Carter County | $193,875 | +4.0% | 0.42% |
| Saline County | $194,286 | +6.0% | 0.78% |
| Washington County | $190,976 | +6.7% | 0.56% |
| Buchanan County | $190,751 | +4.1% | 0.77% |
| Audrain County | $190,175 | +8.5% | 0.79% |
| Shelby County | $196,909 | +9.0% | 0.86% |
Frequently asked questions
What is the average home price in Adair County, MO?
The typical home value in Adair County is $192,861 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adair County?
About $53,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adair County?
The median effective rate is 0.77% of home value a year (Census ACS 2024 5-year estimates).