Rolla, MO home prices
Typical home $232,322 · +5.3% in a year · income needed $63,800
The Rolla, MO metro area ranks 512 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.3% in a year and +30.7% over five years. With 20% down at 7.11%, the typical home costs about $1,489 a month including 0.64% property tax (Phelps County rate).
Mortgage on the typical Rolla home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,464 | $185,858 | $1,250 | $0 | $239 | $1,489 | $63,800 |
| 10% down | $23,232 | $209,090 | $1,407 | $87 | $239 | $1,733 | $74,300 |
| 5% down | $11,616 | $220,706 | $1,485 | $92 | $239 | $1,816 | $77,800 |
| 3.5% down (FHA) | $8,131 | $228,114 | $1,535 | $103 | $239 | $1,876 | $80,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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 Rolla area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Phelps County, MO | $232,325 | +5.3% | 0.64% |
What can you afford in Missouri on your salary? · Missouri home prices · Salaries in Missouri
Frequently asked questions
How much is a house in Rolla?
The typical home in the Rolla, MO metro area is worth $232,322 (Zillow, September 2026).
What salary do you need to buy a house in Rolla?
About $63,800 a year for the typical home with 20% down at 7.11%.