McDonald County, Missouri home prices
Typical home $230,115 · +5.1% in a year · property tax 0.46%
The typical home in McDonald County is worth $230,115, 13% less than the Missouri typical home ($265,387). Values changed +5.1% in the past year and +29.6% over five years. Homeowners here pay a median 0.46% of their home's value in property tax each year ($1,059 on the typical home), versus 0.79% statewide.
Mortgage on the typical McDonald County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,023 | $184,092 | $1,238 | $0 | $203 | $1,442 | $61,800 |
| 10% down | $23,012 | $207,104 | $1,393 | $86 | $203 | $1,683 | $72,100 |
| 5% down | $11,506 | $218,610 | $1,471 | $91 | $203 | $1,765 | $75,600 |
| 3.5% down (FHA) | $8,054 | $225,948 | $1,520 | $102 | $203 | $1,825 | $78,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.46% 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 |
|---|---|---|---|
| Cedar County | $229,184 | +5.3% | 0.62% |
| Pulaski County | $231,876 | +4.3% | 0.61% |
| Phelps County | $232,325 | +5.3% | 0.64% |
| Howard County | $227,624 | +6.2% | 0.77% |
| Bates County | $226,765 | +3.5% | 0.61% |
| Ozark County | $224,762 | +5.8% | 0.44% |
| Montgomery County | $236,099 | +10.9% | 0.76% |
| Perry County | $236,630 | +7.6% | 0.74% |
| Henry County | $223,535 | +3.5% | 0.81% |
| Gasconade County | $236,772 | +4.0% | 0.73% |
Frequently asked questions
What is the average home price in McDonald County, MO?
The typical home value in McDonald County is $230,115 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McDonald County?
About $61,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McDonald County?
The median effective rate is 0.46% of home value a year (Census ACS 2024 5-year estimates).