Callaway County, Missouri home prices
Typical home $270,364 · +6.7% in a year · property tax 0.77%
The typical home in Callaway County is worth $270,364, about the same as the Missouri typical home ($265,387). Values changed +6.7% in the past year and +20.8% over five years. Homeowners here pay a median 0.77% of their home's value in property tax each year ($2,076 on the typical home), versus 0.79% statewide.
Mortgage on the typical Callaway County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,073 | $216,291 | $1,455 | $0 | $308 | $1,763 | $75,600 |
| 10% down | $27,036 | $243,328 | $1,637 | $101 | $308 | $2,046 | $87,700 |
| 5% down | $13,518 | $256,846 | $1,728 | $107 | $308 | $2,143 | $91,800 |
| 3.5% down (FHA) | $9,463 | $265,467 | $1,786 | $120 | $308 | $2,214 | $94,900 |
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 Jefferson City metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Webster County | $268,140 | +5.0% | 0.52% |
| Polk County | $274,050 | +2.0% | 0.55% |
| 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% |
| Daviess County | $280,878 | +8.0% | 0.66% |
| Ralls County | $258,256 | +4.4% | 0.73% |
| Johnson County | $284,128 | +4.0% | 0.66% |
Frequently asked questions
What is the average home price in Callaway County, MO?
The typical home value in Callaway County is $270,364 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Callaway County?
About $75,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Callaway County?
The median effective rate is 0.77% of home value a year (Census ACS 2024 5-year estimates).