Cost of Living in Stoddard County, Missouri
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Stoddard County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Stoddard County ranks #1,898 of 3,144 counties for affordability (bottom 40%)
Data Story
About Cost of Living in Stoddard County, Missouri
Stoddard renters face moderate pressure
Stoddard County renters dedicate 16.4% of income to housing, exceeding Missouri's 15.6% state average while remaining below national crisis levels. With $737/month rents and a $54,067 median household income, working families here maintain affordability but with limited margin for error.
Lower-middle affordability tier statewide
Stoddard ranks in the lower-middle tier of Missouri counties, with a 16.4% rent-to-income ratio that trails the state average by less than 1 percentage point. This modest gap masks real hardship for households with irregular incomes or dependents.
Moderate costs in rural company
Stoddard's $737 rent falls between Shelby County ($570) and St. Francois County ($786), while household incomes lag suburban counties significantly. Home values ($135,400) offer affordable entry for buyers, making purchase more achievable than renting long-term.
Stoddard's monthly housing math
A Stoddard household earning $54,067 annually ($4,505/month) allocates $737 to rent or $690 to mortgage, consuming 16-15% of gross income. This leaves approximately $3,800 monthly for all other expenses, tight but manageable for single-income families.
Stoddard for conservative budgeters
Stoddard County suits households earning $50,000–$65,000 seeking rural living with moderate affordability, especially those considering homeownership over renting. Compare your current housing burden here and you'll likely find 1-2% savings, enough to build an emergency fund or invest in community.
Cost of Living Advisory: Stoddard County
Affordability Verdict
For renters in Stoddard County, the market is affordable. Expect to pay around $737/month in gross rent, with 24.0% of renter households considered cost-burdened.
Rent vs. Own
The median rent in Stoddard County is $737/month, while owner costs run $690/month. Owning saves approximately $47/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $29,480/year. For owner costs at the 28% rule, the required income is roughly $29,571/year. With a median household income of $54,067, most households can comfortably afford rent here. Notably, 24.0% of renter households in Stoddard County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Dallas County where rent averages $685/month, Stoddard County is approximately 8% more expensive.
Affordability Calculator
See how your income compares to housing costs in Stoddard County
Rent Burden
16.4%
of gross income
Max Housing (28% Rule)
$1,262
per month
Owner Cost Burden
15.3%
of gross income
You can likely afford the median home in Stoddard County
Median home value is $135,400. Estimated monthly cost: $1,081 vs. your max of $1,262.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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