Hi Kelley--
Your intuition is right. Median HH income might be missing (1) because Census redacted it, because of excessive MOE. (2) The other reason for a missing stat would be: if the tract has no households.
In the first situation, I like your solution: Fill in a value from a prior year. The tracts data was collected during a 5-year survey window, so the 2016-20 stats and the 2017-21 stats should be in the same ballpark. (of course: the 2016-20 data may have been redacted for the same reason, excessive MOE.)
So, I'll offer my approach to creating placeholder values -- as ugly as it is. (Dear readers, do not @ me complaints.)
For placeholder values, analyze table B19001 : number of households in sixteen income levels. Analyze that table to find the 50th percentile category among estimated households. Example: Tract 27145011600 does not have a published median HH income. But table B19001 shows the median is in the range 75,000-99,999. I will use 87,500 as placeholder. (Or you can imagine a fancier approach.)
It's an ugly approach I'm suggesting. But if you really! need placeholders for your 7 missing tracts, consider it.
--Todd Graham