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Howard
Missouri

10K

Population

$59K

Median Income

$229K

Median Home

R+36

Politics

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What stands out

If you had to describe Howard County in numbers, start here: the overdose death rate is among the lowest in America (-999 per 100,000), homeownership is in the top 11% of American counties (82%), and unemployment is in the bottom 13% of American counties (2.4%). Within Missouri it ranks 9th of 115 counties for the overdose death rate, counting from the bottom.

Where you are

You live in Howard County, Missouri. 10,142 people live here with you. The population shrank 0.8% last year, and more Americans moved out than in (net -47).

Missouri stopped taxing Social Security and public pensions for all residents in 2024 and has been cutting its top income-tax rate toward 4.5%. Home prices are well below the national average in both Kansas City and St. Louis. The state's property tax on vehicles, paid every year, surprises new arrivals; tornado exposure is high across the state.

Money

The typical household here brings in $59,023 a year, lower than 55% of American counties. Employers pay an average wage of $43,039. Unemployment runs 2.4%, lower than 87% of American counties. 8% of workers work from home.

Missouri takes 4.4% of that median income in state income tax, about $2,593 a year.

Home

The median home costs $231K, cheaper than 51% of American counties, about 2.0 years of the median household's income. A two-bedroom rents for around $844 a month. Property tax is 0.81% of home value, roughly $1,144 a year on that median home, lower than 55% of American counties. 82% of households own rather than rent.

Safety and health

Violent crime here is 4.1 per 1,000 residents, higher than 61% of American counties.

A child born here can expect to live 76.4 years, longer than 57% of American counties. There are 6 active physicians in the county, about 5.9 per 10,000 people. 10.0% of people under 65 have no health insurance.

School

Local students test at grade level 3.19 where 3.0 is national grade level, higher than 71% of American counties. 89% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 36 points. 65% of eligible voters turned out. Under Missouri law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is legal for adults.

Weather and risk

The year averages 56°F, highs near 66 and lows near 46, warmer than 50% of American counties. About 33 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 28 out of 100, safer than 72% of American counties; the county has had 29 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 116 Mbps down, slower than 83% of American counties. There is 1 airport in the county, counting general aviation. For a night or a weekend out: 0.5 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$59K
This county
national avg ~$75K
Poverty Rate15.6%
This county
national avg ~11.5%
Unemployment Rate2.4%
This county
national avg ~3.8%
GDP per Capita$29,715
Federal Spending per Capita$377
Median Individual Earnings$38K
This county
national avg $45K
Professional/Management Workers37.1%
Average Adjusted Gross Income$63K
Avg Credit Score689
Work From Home %7.8%
This county
national avg 17.0%
Population Under 1821.9%
This county
national avg 22.0%
Single-Person Households24.4%
This county
national avg 28.0%
Banks & Finance Firms7
Income (20th Percentile)$28K
Income (80th Percentile)$116K
Income (95th Percentile)$197K
Bachelor's Degree or Higher26.4%
This county
national avg 34.3%
Less Than High School11.5%
This county
national avg 11.0%
Dependency Ratio0.70
Medicare Spending / Person$2,491
SS Benefits / Person$4,070
Education Wage Premium1.57x
Median Earnings (Bachelor's)$49K
Median Earnings (Graduate)$61K
Median Earnings (HS Diploma)$39K
Public Assistance Recipients3.4%
Average Annual Wage$43K
Professional Services Concentration0.36x national
This county
1.0 = national average share
Federal Government Jobs Located Here34
Federal Share of Jobs Located Here1.4%
Residents Who Work for the Federal Government2.3%
Federal Civilian Share of Earnings1.9%
Federal Contract Dollars Performed Here (FY2025)$331,600
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars100%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$229K
This county
$240K state avg
$303K national
Market Rent (ZORI)$823/mo
This county
$1100/mo state avg
$1400/mo national
Property Tax Rate0.81%
This county
0.88% state avg
1.10% national

Annual tax on median home: $1,144

Affordability & Supply

HUD Fair Market Rent (2BR)$1,044/mo
Home Price Change (1 yr)+0.2%−+9.6% since 2024
Home Value to Income Ratio2.0x income
Severely Cost-Burdened Households7.5%
Homeownership Rate81.7%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
20.4%
Active Listings
41
New Listings / Month
9

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Slow — buyers have leverage
186 days
Months of Supply (Redfin)— Low inventory — sellers market
1.9 mo
Sold Above List (Redfin)
0.0%
Sale-to-List Ratio (Redfin)— Sellers market — homes selling at or above list
100.0%

Source: Redfin · Updated monthly

Health

Life Expectancy76.4 yrs
This county
national avg ~78.5 years
Food Insecurity9.2%
This county
national avg ~11%
Food Environment Index8.3 / 10
This county
higher = better access
Primary Care Shortage Score16
This county
national avg 5
Mental Health Shortage Score17
Dental Care Shortage Score17
Healthcare Shortage Score16.7
Healthcare Offices5
Obesity Rate (BRFSS)36.0%
This county
national avg 32.0%
Smoking Rate (BRFSS)17.0%
This county
national avg 14.0%
Poor Health Rate (BRFSS)19.7%
This county
national avg 18.0%
Physical Inactivity (BRFSS)28.3%
This county
national avg 24.0%
High Blood Pressure (BRFSS)32.8%
This county
national avg 32.0%
Active Physicians6
Nursing Home Rating3.0 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients471 / 1,000
Medicare Cost per Beneficiary$11,866
Uninsured (under 65)10.0%
This county
national avg ~10%
Adults with Depression26.2%

Education

Math Test Scores3.16 grade level
Reading Test Scores3.23 grade level
HS Diploma Holders1,965
Bachelor's Degree Holders984
HS Completion Rate88.5%
This county
national avg ~85%

Safety

Violent Crime Rate4.1 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate33.7 / 100K
This county
national avg ~13.6/100K
Traffic Fatalities2
Social Vulnerability (CDC SVI)35th pct
Drug Overdose Deaths (2024)-999.0 / 100K
Suicide Rate32.6 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale0.3
January Sunshine0.29
January Temperature-0.30
Average Temp56°F+2.4% since 2022
Avg High Temp66°F+0.6% since 2022
Avg Low Temp46°F+5.3% since 2022
Median AQIAQI 42
Good Air Days195 days/yr
Unhealthy Air Days5 days/yr
Annual Precipitation32.8 in/yr-0.6% since 2022
Avg Storm Events3.4 storms/yr
Avg Annual Storm Damage$60K
Drought Index (2022)-0.67
Heating Degree Days4,749 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,412 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)5,358 HDD/yr
Cooling Degree Days (1901–2000 Baseline)1,282 CDD/yr
Avg Tornadoes / Year0.2
Avg Flood Events / Year1.8
Avg Hail Events / Year1.2
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)28 / 100
Community Resilience (FEMA)77 / 100
Federal Disaster Declarations29 since 1953
Fine Particulate Pollution (PM2.5)7.3 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)25 properties
FAA-Registered Airports1 total
Airports (excl. heliports)1 airports

Internet & Remote Work

Download Speed116 Mbps
This county
national avg ~120 Mbps
Upload Speed115 Mbps
Fixed Internet (Q1 2026)223 Mbps
Mobile Internet (Q1 2026)714 Mbps
Mobile Upload (Q1 2026)60 Mbps
Mobile Latency (Q1 2026)38 ms
Households with 100Mbps+62.4%
This county
national avg 75.0%
Cellular-Only Internet9.9%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)201 Mbps

Commute & Transit

Remote Workers333 workers
Public Transit Commuters11 workers
Walk to Work (workers)159 workers
Extreme Commutes (90+ min)105 workers
Walk to Work3.7%

Agriculture

Farms459 farms
Farmland21,389 acres

Families & Childcare

Childcare Cost Burden27.4%
This county
national median ~27% of household income
Childcare Centers17.3 per 10K residents

Civic & Community

Voter Turnout64.9%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.064
Nonprofit Organizations96
Veterans Share7.1%
This county
national avg 7.0%
Married Adults48.4%
Never-Married Adults33.3%
Divorced Adults11.1%
Religious Organizations10
Asian Population0.3%
Native American Population1.4%
Membership Associations10.8 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.50 per 1K residents
Colleges & Universities2
Nursing & Care Facilities8
Professional Services Firms10
Veterinary Practices3
Real Estate Firms5
Debt Burden
Avg Mortgage Balance$64K
Avg Student Loan Balance$10K
Avg Credit Card Balance$4K
Loan Delinquency Rate39.0%
This county
national avg 4.0%

Innovation

Inventor Rate0.19%

Politics

R+36

2024 Presidential · Missouri was R+19 statewide

vs Missouri State

Income tax
4.7%Same (state law)
Property tax
0.81%0.88% state avg
Politics
R+36R+19
COL Index
86state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↓ -47

More people leaving than arriving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.72x avg income)

Economic Mobility

44%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Howard County

Median home value: $231K

View on Zillow →View on Realtor.com →

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Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable