Cooper County, Missouri home prices
Typical home $242,786 · +3.9% in a year · property tax 0.66%
The typical home in Cooper County is worth $242,786, 9% less than the Missouri typical home ($265,387). Values changed +3.9% in the past year and +22.7% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($1,592 on the typical home), versus 0.79% statewide.
Mortgage on the typical Cooper County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,557 | $194,228 | $1,307 | $0 | $254 | $1,561 | $66,900 |
| 10% down | $24,279 | $218,507 | $1,470 | $91 | $254 | $1,815 | $77,800 |
| 5% down | $12,139 | $230,646 | $1,552 | $96 | $254 | $1,902 | $81,500 |
| 3.5% down (FHA) | $8,497 | $238,388 | $1,604 | $107 | $254 | $1,965 | $84,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.66% 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 · part of the Columbia metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Barry County | $242,990 | +3.9% | 0.53% |
| Cape Girardeau County | $242,411 | +4.5% | 0.64% |
| Moniteau County | $241,712 | +4.7% | 0.68% |
| Newton County | $244,970 | +4.6% | 0.63% |
| Taney County | $245,474 | -0.6% | 0.55% |
| Caldwell County | $246,003 | +3.5% | 0.8% |
| Douglas County | $239,433 | +7.2% | 0.44% |
| Dallas County | $239,061 | +7.1% | 0.4% |
| Maries County | $247,200 | +9.0% | 0.51% |
| Jackson County | $247,543 | +2.7% | 1.12% |
Frequently asked questions
What is the average home price in Cooper County, MO?
The typical home value in Cooper County is $242,786 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cooper County?
About $66,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cooper County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).