Missouri · GEOID 29087

Holt County

2024 ACS 5-year estimates · population 4,240 · 2,405 housing units

Median household income

$61,187

State $72,143

Median home value

$138,200

State $232,120

Median gross rent

$650

State $1,040

Homeownership rate

77.2%

State 68.1%

Renter cost-burden rate

19.5%

≥30% of income

Owner cost-burden rate

18.6%

≥30% of income

Homeowner vacancy

3.6%

Of owner-occupied + for-sale units

Rental vacancy

5.3%

Of renter-occupied + for-rent units

Overall vacancy

27.5%

All housing units

Price-to-income ratio

2.26

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Holt County	Missouri
Population	4,240	6,191,814
Population density (per sq. mi.)	9.16	—
Median household income	$61,187	$72,143
HUD Area Median Income (4-person, 100%)	$82,400	—
Households	1,744	—
Average household size	2.37 people	—
Owner-occupied	77.2%	68.1%
Renter-occupied	22.8%	31.9%
Race	94.3% White · 0.4% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Holt County compared with Missouri.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

19.6% hold a bachelor's degree or higher (state: 32.4%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	17.3%	$45,288	$1,132	$137,558
1 earner	30.0%	$61,406	$1,535	$197,554
2 earners	43.4%	$96,645	$2,416	$328,726
3+ earners	9.3%	$125,625	$3,141	$436,599

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

1,744

Average size: 2.37 people

Households with children

441

25.3% of households

Per-capita income

$35,363

Poverty rate: 8.7%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

77.2% owner-occupied vs. state average 68.1%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 83.4% · Missing middle (2–19 units) 7.9%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

72.4% built before 1980 · Median structure age 1,965.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $138,200.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $650.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 661 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 7.7% · For rent 3.5% · Seasonal 26.0% · Other 55.7%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

18.3% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 81.7% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

7.2%

172 units of 2,405 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

15.3%

368 units of 2,405 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$48,950

100% MHI$61,187

120% MHI$73,424

County-wide median from ACS 5-year estimates. A household at 100% MHI in Holt County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$46,150	$52,750	$65,900
100% AMI	$57,680	$65,920	$82,400
120% AMI	$69,200	$79,100	$98,900

HUD FMR Area: Holt County, MO. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

19.5% of renter households spend ≥30% of income on rent (5.7% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

18.6% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Holt County.

Covered employment

949

Across 15 sectors

Establishments

145

QCEW 2024

Avg annual pay (workforce)

$43,397

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 44-45 Retail trade NAICS 44-45	167	$31,422	$85,944	−$52,256	$786
NAICS 61 Educational services NAICS 61	163	$40,351	$119,181	−$19,019	$1,009
NAICS 62 Health care and social assistance NAICS 62	156	$33,303	$92,946	−$45,254	$833
NAICS 92 Public administration NAICS 92	105	$37,121	$107,157	−$31,043	$928
NAICS 42 Wholesale trade NAICS 42	84	$73,031	$240,827	+$102,627	$1,826
NAICS 31-33 Manufacturing NAICS 31-33	83	$65,117	$211,368	+$73,168	$1,628
NAICS 23 Construction NAICS 23	67	$45,065	$136,728	−$1,472	$1,127
NAICS 52 Finance and insurance NAICS 52	32	$52,619	$164,846	+$26,646	$1,315
NAICS 51 Information NAICS 51	26	$44,951	$136,303	−$1,897	$1,124
NAICS 81 Other services (except public administration) NAICS 81	21	$36,974	$106,610	−$31,590	$924
NAICS 54 Professional, scientific, and technical services NAICS 54	17	$50,744	$157,867	+$19,667	$1,269
NAICS 48-49 Transportation and warehousing NAICS 48-49	14	$54,520	$171,922	+$33,722	$1,363
NAICS 71 Arts, entertainment, and recreation NAICS 71	6	$33,309	$92,968	−$45,232	$833
NAICS 53 Real estate and rental and leasing NAICS 53	6	$24,791	$61,261	−$76,939	$620
NAICS 22 Utilities NAICS 22	2	$51,724	$161,515	+$23,315	$1,293

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 611 Educational services NAICS 611	163	$40,351	$119,181	−$19,019	$1,009
NAICS 921 Executive, legislative, and other general government support NAICS 921	79	$31,289	$85,449	−$52,751	$782
NAICS 722 Food services and drinking places NAICS 722	79	$16,333	$29,777	−$108,423	$408
NAICS 115 Support activities for agriculture and forestry NAICS 115	62	$69,917	$229,235	+$91,035	$1,748
NAICS 457 Gasoline stations and fuel dealers NAICS 457	47	$31,809	$87,384	−$50,816	$795
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	36	$55,647	$176,118	+$37,918	$1,391
NAICS 522 Credit intermediation and related activities NAICS 522	22	$56,349	$178,731	+$40,531	$1,409
NAICS 624 Social assistance NAICS 624	22	$15,917	$28,229	−$109,971	$398
NAICS 484 Truck transportation NAICS 484	18	$94,565	$320,984	+$182,784	$2,364
NAICS 924 Administration of environmental quality programs NAICS 924	17	$62,302	$200,890	+$62,690	$1,558
NAICS 237 Heavy and civil engineering construction NAICS 237	17	$42,958	$128,885	−$9,315	$1,074
NAICS 541 Professional, scientific, and technical services NAICS 541	17	$50,744	$157,867	+$19,667	$1,269
NAICS 491 Postal service NAICS 491	14	$54,520	$171,922	+$33,722	$1,363
NAICS 811 Repair and maintenance NAICS 811	12	$37,422	$108,278	−$29,922	$936
NAICS 621 Ambulatory health care services NAICS 621	11	$40,709	$120,513	−$17,687	$1,018
NAICS 524 Insurance carriers and related activities NAICS 524	9	$49,349	$152,674	+$14,474	$1,234
NAICS 812 Personal and laundry services NAICS 812	9	$36,376	$104,384	−$33,816	$909
NAICS 712 Museums, historical sites, and similar institutions NAICS 712	6	$33,309	$92,968	−$45,232	$833
NAICS 531 Real estate NAICS 531	6	$24,791	$61,261	−$76,939	$620
NAICS 922 Justice, public order, and safety activities NAICS 922	3	$54,070	$170,247	+$32,047	$1,352
NAICS 925 Administration of housing programs, urban planning, and community development NAICS 925	3	$30,932	$84,120	−$54,080	$773
NAICS 923 Administration of human resource programs NAICS 923	2	$44,036	$132,897	−$5,303	$1,101
NAICS 221 Utilities NAICS 221	2	$51,724	$161,515	+$23,315	$1,293
NAICS 926 Administration of economic programs NAICS 926	1	$23,669	$57,085	−$81,115	$592

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	1,190	(1,580)	(57%)	$14.60	$30,360	$81,991	$759
Cashiers SOC 41-2011	3,950	(280)	(7%)	$14.68	$30,540	$82,661	$764
Childcare Workers SOC 39-9011	380	(70)	(16%)	$15.44	$32,120	$88,542	$803
Waiters and Waitresses SOC 35-3031	1,130	(390)	(26%)	$16.47	$34,260	$96,508	$857
Tellers SOC 43-3071	660	(70)	(10%)	$16.64	$34,620	$97,848	$866
Janitors and Cleaners SOC 37-2011	1,360	(300)	(18%)	$16.84	$35,020	$99,337	$876
Retail Salespersons SOC 41-2031	2,410	(810)	(25%)	$17.15	$35,670	$101,756	$892
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	1,720	(1,420)	(45%)	$17.24	$35,860	$102,464	$897
Firefighters SOC 33-2011	410	250	156%	$17.87	$37,170	$107,340	$929
Office Clerks, General SOC 43-9061	2,450	180	8%	$20.02	$41,650	$124,016	$1,041
Maintenance and Repair Workers, General SOC 49-9071	1,180	(380)	(24%)	$23.17	$48,190	$148,360	$1,205
Police and Sheriff's Patrol Officers SOC 33-3051	760	40	6%	$23.28	$48,430	$149,253	$1,211
Elementary School Teachers, Except Special Education SOC 25-2021	2,140	530	33%	—	$48,450	$149,328	$1,211
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	1,790	(10)	(1%)	$24.65	$51,280	$159,862	$1,282
Construction Laborers SOC 47-2061	620	(400)	(39%)	$25.42	$52,880	$165,818	$1,322
Paramedics SOC 29-2043 · prior-year code differs	110	(360)	(77%)	$25.93	$53,930	$169,726	$1,348
Carpenters SOC 47-2031	450	170	61%	$27.14	$56,460	$179,144	$1,412
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	230	50	28%	$30.47	$63,370	$204,865	$1,584
Electricians SOC 47-2111	210	10	5%	$31.07	$64,620	$209,518	$1,616
Registered Nurses SOC 29-1141	2,020	120	6%	$38.30	$79,670	$265,539	$1,992

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 29087 · pulled from Full Housing Data Table.xlsx.