Howard County, Missouri home prices
Typical home $227,624 · +6.2% in a year · property tax 0.77%
The typical home in Howard County is worth $227,624, 14% less than the Missouri typical home ($265,387). Values changed +6.2% in the past year and +38.2% over five years. Homeowners here pay a median 0.77% of their home's value in property tax each year ($1,752 on the typical home), versus 0.79% statewide.
Mortgage on the typical Howard County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,525 | $182,099 | $1,225 | $0 | $260 | $1,485 | $63,600 |
| 10% down | $22,762 | $204,862 | $1,378 | $85 | $260 | $1,723 | $73,900 |
| 5% down | $11,381 | $216,243 | $1,455 | $90 | $260 | $1,805 | $77,300 |
| 3.5% down (FHA) | $7,967 | $223,501 | $1,504 | $101 | $260 | $1,864 | $79,900 |
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 Columbia metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bates County | $226,765 | +3.5% | 0.61% |
| Cedar County | $229,184 | +5.3% | 0.62% |
| McDonald County | $230,115 | +5.1% | 0.46% |
| Ozark County | $224,762 | +5.8% | 0.44% |
| Henry County | $223,535 | +3.5% | 0.81% |
| Pulaski County | $231,876 | +4.3% | 0.61% |
| Phelps County | $232,325 | +5.3% | 0.64% |
| Monroe County | $222,580 | +5.9% | 0.8% |
| Pike County | $221,907 | +9.5% | 0.67% |
| Nodaway County | $221,558 | +3.7% | 0.77% |
Frequently asked questions
What is the average home price in Howard County, MO?
The typical home value in Howard County is $227,624 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Howard County?
About $63,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Howard County?
The median effective rate is 0.77% of home value a year (Census ACS 2024 5-year estimates).