Osage County, Missouri home prices
Typical home $265,223 · +4.6% in a year · property tax 0.59%
The typical home in Osage County is worth $265,223, about the same as the Missouri typical home ($265,387). Values changed +4.6% in the past year and +31.7% over five years. Homeowners here pay a median 0.59% of their home's value in property tax each year ($1,552 on the typical home), versus 0.79% statewide.
Mortgage on the typical Osage County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,045 | $212,179 | $1,427 | $0 | $262 | $1,689 | $72,400 |
| 10% down | $26,522 | $238,701 | $1,606 | $99 | $262 | $1,967 | $84,300 |
| 5% down | $13,261 | $251,962 | $1,695 | $105 | $262 | $2,062 | $88,400 |
| 3.5% down (FHA) | $9,283 | $260,420 | $1,752 | $117 | $262 | $2,131 | $91,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.59% 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 Jefferson City metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sainte Genevieve County | $265,523 | +10.4% | 0.63% |
| Franklin County | $264,683 | +4.9% | 0.8% |
| Miller County | $263,109 | +3.6% | 0.57% |
| Ray County | $262,323 | +4.4% | 0.8% |
| Webster County | $268,140 | +5.0% | 0.52% |
| Callaway County | $270,364 | +6.7% | 0.77% |
| Ralls County | $258,256 | +4.4% | 0.73% |
| Polk County | $274,050 | +2.0% | 0.55% |
| Greene County | $255,838 | +3.2% | 0.71% |
| Daviess County | $280,878 | +8.0% | 0.66% |
Frequently asked questions
What is the average home price in Osage County, MO?
The typical home value in Osage County is $265,223 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Osage County?
About $72,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Osage County?
The median effective rate is 0.59% of home value a year (Census ACS 2024 5-year estimates).