Saint Clair County, Missouri home prices
Typical home $204,249 · +4.3% in a year · property tax 0.61%
The typical home in Saint Clair County is worth $204,249, 23% less than the Missouri typical home ($265,387). Values changed +4.3% in the past year and +35.9% over five years. Homeowners here pay a median 0.61% of their home's value in property tax each year ($1,256 on the typical home), versus 0.79% statewide.
Mortgage on the typical Saint Clair County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,850 | $163,400 | $1,099 | $0 | $207 | $1,306 | $56,000 |
| 10% down | $20,425 | $183,824 | $1,237 | $77 | $207 | $1,520 | $65,100 |
| 5% down | $10,212 | $194,037 | $1,305 | $81 | $207 | $1,593 | $68,300 |
| 3.5% down (FHA) | $7,149 | $200,550 | $1,349 | $90 | $207 | $1,646 | $70,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.61% 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 |
|---|---|---|---|
| Hickory County | $204,845 | +12.1% | 0.41% |
| Texas County | $204,908 | +8.2% | 0.49% |
| Lawrence County | $205,738 | +1.7% | 0.59% |
| Putnam County | $206,807 | +4.8% | 1.01% |
| Wright County | $208,979 | +3.6% | 0.4% |
| Dade County | $199,292 | +6.4% | 0.62% |
| Macon County | $198,532 | +4.0% | 0.69% |
| Marion County | $198,277 | +4.0% | 0.82% |
| Knox County | $197,801 | +10.8% | 0.83% |
| Pettis County | $197,598 | +2.0% | 0.78% |
Frequently asked questions
What is the average home price in Saint Clair County, MO?
The typical home value in Saint Clair County is $204,249 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Clair County?
About $56,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Clair County?
The median effective rate is 0.61% of home value a year (Census ACS 2024 5-year estimates).