Housing decision brief
Benton County, MO Housing Market
Benton County screens as a higher purchase price, rent that needs comparison, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
71st lowest home value out of 115 Missouri counties with data | 87th lowest rent out of 115
Median home value
$164,700
Purchase-price signal from Census ACS.
Median rent
$823/mo
Gross rent, including utilities where reported.
Monthly owner cost
$618/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.2x
Median home value divided by local household income.
Rent burden
29.0%
Below 30% usually screens as less pressured.
Rent vs own
$205/mo
Median owner cost screens below median rent.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Rent burden below pressure line
29.00% of renter income goes to rent, below the 30% burden threshold.
Owning screens cheaper than renting
Median owner costs are $205/mo below median rent before individual mortgage terms.
What to Check
Lower income base
$52,200 median income is 9% below Missouri county median
Water quality cross-check
Water quality grade is F. Review water data before treating housing cost as the full story.
Health context
Health score is 26.8 out of 100, so affordability should be weighed against local health indicators.
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Households weighing ownership against renting
Poor Fit For
- Households dependent on a deep local wage market
- Buyers who will not investigate local water systems before moving
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Benton County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $164,700 | $156,400 | $281,900 | 5% pressure5% above Missouri county median |
Median gross rent Lower usually helps affordability. | $823 | $754 | $1,163 | 9% pressure9% above Missouri county median |
Monthly owner cost Lower usually helps affordability. | $618 | $716 | $1,672 | 14% favorable14% below Missouri county median |
Median household income | $52,200 | $57,488 | $74,755 | 9% pressure9% below Missouri county median |
Effective property-tax rate Lower usually helps affordability. | 0.56% | 0.74% | 1.02% | 24% favorable24% below Missouri county median |
Rent burden Lower usually helps affordability. | 29.00% | 26.00% | N/A | 12% pressure29.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$19,280
Median income minus rent threshold.
Owner cushion
+$25,714
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Housing in Benton County is affordable. The median rent is $823/month against a median household income of $52,200, putting rent at 18.9% of income.
Rent vs own
At $823/month rent versus $618/month in owner costs, owning is roughly $205/month cheaper , a 25% difference.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $32,920/year. For owner costs at the 28% rule, the required income is roughly $26,486/year. With a median household income of $52,200, most households can comfortably afford rent here. Notably, 29.0% of renter households in Benton County are cost-burdened, spending more than 30% of income on housing.
Regional context
Within Missouri, Benton County is less affordable than Franklin County by roughly 6% ($823/mo vs $874/mo).
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Laclede County, MO | $158,000 | $796/mo | Same-state comparison near $158,000 home value and $796/mo rent. |
| Crawford County, MO | $166,000 | $807/mo | Same-state comparison near $166,000 home value and $807/mo rent. |
| Lawrence County, MO | $159,800 | $785/mo | Same-state comparison near $159,800 home value and $785/mo rent. |
| St. Francois County, MO | $155,100 | $786/mo | Same-state comparison near $155,100 home value and $786/mo rent. |
| Nodaway County, MO | $165,100 | $754/mo | Same-state comparison near $165,100 home value and $754/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Benton County
Is Benton County affordable for buying a home?
Is renting or owning cheaper in Benton County?
How much income do you need for housing in Benton County?
What should I double-check before moving to Benton County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.