Kirksville, MO home prices
Typical home $192,092 · +4.8% in a year · income needed $53,700
The Kirksville, MO metro area ranks 671 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.8% in a year and +17.5% over five years. With 20% down at 7.11%, the typical home costs about $1,253 a month including 0.77% property tax (Adair County rate).
Mortgage on the typical Kirksville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,418 | $153,674 | $1,034 | $0 | $219 | $1,253 | $53,700 |
| 10% down | $19,209 | $172,883 | $1,163 | $72 | $219 | $1,454 | $62,300 |
| 5% down | $9,605 | $182,488 | $1,228 | $76 | $219 | $1,523 | $65,300 |
| 3.5% down (FHA) | $6,723 | $188,613 | $1,269 | $85 | $219 | $1,573 | $67,400 |
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.
Counties in the Kirksville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Adair County, MO | $192,861 | +4.7% | 0.77% |
| Schuyler County, MO | $179,965 | +12.5% | 0.79% |
What can you afford in Missouri on your salary? · Missouri home prices · Salaries in Missouri
Frequently asked questions
How much is a house in Kirksville?
The typical home in the Kirksville, MO metro area is worth $192,092 (Zillow, September 2026).
What salary do you need to buy a house in Kirksville?
About $53,700 a year for the typical home with 20% down at 7.11%.