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Market MapMissouriHoward

Howard County

MissouriPopulation: 10,142
74
/100
Buy
#54 of 1,000 counties
#5 in Missouri (113 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated January 1, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$223,204
Median Home Price
4% below national median
$13,254/mo
Est. Rent
Based on regional data
5.94%
Rent-to-Price Ratio
Estimated from price data
+$0
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Score Breakdown

Overall Investment Score
74/100
74
Cash Flow(30%)
0/100

Rent data not available for cash flow calculation.

Appreciation(25%)
93/100

Based on 7.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
73/100

Price-to-income ratio of 3.8x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Strong price appreciation (+7.2% YoY)
  • +Affordable relative to local incomes

Challenges

  • -Negative leverage (cap rate 0.0% < mortgage rate 6.9%)
  • -Limited rent data (estimates used)

Economic Indicators

Population
10,142
Median Income
$59,023
vs $57,059 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.8x
Moderately affordable

Who this market fits

Best for
  • +Appreciation buyers: YoY growth is meaningfully above the long-run average
Skip if
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
LivingstonMO
76$188,828Est. pending—Strong BuyView
CurrentHowardMO
74$223,204Est. pending—Buy
PettisMO
73$191,272$1,0786.76%BuyView
ClintonMO
70$275,256Est. pending—BuyView
MariesMO
70$233,679Est. pending—BuyView
Saint Louis CityMO
70$175,441$1,2848.79%BuyView

The Bottom Line

BuyHoward offers solid investment potential with positive cash flow at typical financing.

Howard County in Missouri scores 74/100, ranking #54 of 1,000 US counties (top 7%). At 20% down and current rates, a median-priced rental roughly breaks even on cash flow. The deal works on appreciation or with better terms, not on month-one cash flow.

Monthly Cash Flow
+$0/mo
Cap Rate
0.0%
Cash-on-Cash
0.0%

Related markets

Markets like Howard with stronger cash flow

  • Saint Louis City for cash-flow rentals
  • Pettis County for cash-flow rentals

Cheaper alternatives to Howard

  • Saint Louis City, lower entry price
  • Livingston County, lower entry price
  • Pettis County, lower entry price

Head-to-head comparisons

  • Howard vs Pettis for rentals
  • Howard vs Livingston for rentals
  • Howard vs Clinton for rentals
All counties in Missouri →

Ready to Analyze a Deal in Howard?

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