Moberly, MO home prices
Typical home $180,862 · +5.5% in a year · income needed $50,600
The Moberly, MO metro area ranks 714 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.5% in a year and +32.0% over five years. With 20% down at 7.11%, the typical home costs about $1,181 a month including 0.78% property tax (Randolph County rate).
Mortgage on the typical Moberly home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,172 | $144,690 | $973 | $0 | $207 | $1,181 | $50,600 |
| 10% down | $18,086 | $162,776 | $1,095 | $68 | $207 | $1,370 | $58,700 |
| 5% down | $9,043 | $171,819 | $1,156 | $72 | $207 | $1,435 | $61,500 |
| 3.5% down (FHA) | $6,330 | $177,586 | $1,195 | $80 | $207 | $1,482 | $63,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% 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 Moberly area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Randolph County, MO | $180,864 | +5.5% | 0.78% |
What can you afford in Missouri on your salary? · Missouri home prices · Salaries in Missouri
Frequently asked questions
How much is a house in Moberly?
The typical home in the Moberly, MO metro area is worth $180,862 (Zillow, September 2026).
What salary do you need to buy a house in Moberly?
About $50,600 a year for the typical home with 20% down at 7.11%.