Cedar County, Missouri home prices
Typical home $229,184 · +5.3% in a year · property tax 0.62%
The typical home in Cedar County is worth $229,184, 14% less than the Missouri typical home ($265,387). Values changed +5.3% in the past year and +44.7% over five years. Homeowners here pay a median 0.62% of their home's value in property tax each year ($1,423 on the typical home), versus 0.79% statewide.
Mortgage on the typical Cedar County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,837 | $183,347 | $1,233 | $0 | $233 | $1,467 | $62,900 |
| 10% down | $22,918 | $206,265 | $1,388 | $86 | $233 | $1,707 | $73,100 |
| 5% down | $11,459 | $217,724 | $1,465 | $91 | $233 | $1,789 | $76,700 |
| 3.5% down (FHA) | $8,021 | $225,032 | $1,514 | $101 | $233 | $1,848 | $79,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.62% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Missouri.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| McDonald County | $230,115 | +5.1% | 0.46% |
| Howard County | $227,624 | +6.2% | 0.77% |
| Bates County | $226,765 | +3.5% | 0.61% |
| Pulaski County | $231,876 | +4.3% | 0.61% |
| Phelps County | $232,325 | +5.3% | 0.64% |
| Ozark County | $224,762 | +5.8% | 0.44% |
| Henry County | $223,535 | +3.5% | 0.81% |
| Monroe County | $222,580 | +5.9% | 0.8% |
| Montgomery County | $236,099 | +10.9% | 0.76% |
| Pike County | $221,907 | +9.5% | 0.67% |
Frequently asked questions
What is the average home price in Cedar County, MO?
The typical home value in Cedar County is $229,184 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cedar County?
About $62,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cedar County?
The median effective rate is 0.62% of home value a year (Census ACS 2024 5-year estimates).