Putnam County, Missouri home prices
Typical home $206,807 · +4.8% in a year · property tax 1.01%
The typical home in Putnam County is worth $206,807, 22% less than the Missouri typical home ($265,387). Values changed +4.8% in the past year and +43.2% over five years. Homeowners here pay a median 1.01% of their home's value in property tax each year ($2,096 on the typical home), versus 0.79% statewide.
Mortgage on the typical Putnam County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,361 | $165,445 | $1,113 | $0 | $278 | $1,391 | $59,600 |
| 10% down | $20,681 | $186,126 | $1,252 | $78 | $278 | $1,608 | $68,900 |
| 5% down | $10,340 | $196,466 | $1,322 | $82 | $278 | $1,682 | $72,100 |
| 3.5% down (FHA) | $7,238 | $203,061 | $1,366 | $91 | $278 | $1,736 | $74,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lawrence County | $205,738 | +1.7% | 0.59% |
| Texas County | $204,908 | +8.2% | 0.49% |
| Hickory County | $204,845 | +12.1% | 0.41% |
| Wright County | $208,979 | +3.6% | 0.4% |
| Saint Clair County | $204,249 | +4.3% | 0.61% |
| Lewis County | $211,970 | +9.7% | 0.71% |
| Dade County | $199,292 | +6.4% | 0.62% |
| Macon County | $198,532 | +4.0% | 0.69% |
| Marion County | $198,277 | +4.0% | 0.82% |
| Knox County | $197,801 | +10.8% | 0.83% |
Frequently asked questions
What is the average home price in Putnam County, MO?
The typical home value in Putnam County is $206,807 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Putnam County?
About $59,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Putnam County?
The median effective rate is 1.01% of home value a year (Census ACS 2024 5-year estimates).