Lincoln County, Missouri home prices
Typical home $316,603 · +5.4% in a year · property tax 0.74%
The typical home in Lincoln County is worth $316,603, 19% more than the Missouri typical home ($265,387). Values changed +5.4% in the past year and +29.2% over five years. Homeowners here pay a median 0.74% of their home's value in property tax each year ($2,347 on the typical home), versus 0.79% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,321 | $253,282 | $1,704 | $0 | $354 | $2,058 | $88,200 |
| 10% down | $31,660 | $284,942 | $1,917 | $119 | $354 | $2,389 | $102,400 |
| 5% down | $15,830 | $300,772 | $2,023 | $125 | $354 | $2,503 | $107,300 |
| 3.5% down (FHA) | $11,081 | $310,868 | $2,091 | $140 | $354 | $2,585 | $110,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.74% 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 St. Louis metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clay County | $318,510 | +2.4% | 1.07% |
| Christian County | $318,549 | +2.6% | 0.7% |
| Camden County | $323,721 | -3.6% | 0.47% |
| Stone County | $327,095 | +3.9% | 0.47% |
| Boone County | $328,757 | +2.5% | 0.85% |
| Warren County | $336,425 | +2.2% | 0.69% |
| Cass County | $341,122 | +4.1% | 0.86% |
| Clinton County | $292,081 | +5.5% | 0.81% |
| Jefferson County | $291,892 | +4.3% | 0.8% |
| Morgan County | $291,124 | +3.7% | 0.56% |
Frequently asked questions
What is the average home price in Lincoln County, MO?
The typical home value in Lincoln County is $316,603 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $88,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.74% of home value a year (Census ACS 2024 5-year estimates).