Scotland County, Missouri home prices
Typical home $128,606 · +3.3% in a year · property tax 0.79%
The typical home in Scotland County is worth $128,606, 52% less than the Missouri typical home ($265,387). Values changed +3.3% in the past year and +7.1% over five years. Homeowners here pay a median 0.79% of their home's value in property tax each year ($1,011 on the typical home), versus 0.79% statewide.
Mortgage on the typical Scotland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $25,721 | $102,885 | $692 | $0 | $149 | $841 | $36,000 |
| 10% down | $12,861 | $115,746 | $779 | $48 | $149 | $975 | $41,800 |
| 5% down | $6,430 | $122,176 | $822 | $51 | $149 | $1,021 | $43,800 |
| 3.5% down (FHA) | $4,501 | $126,277 | $849 | $57 | $149 | $1,055 | $45,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% 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 |
|---|---|---|---|
| Harrison County | $130,880 | +4.5% | 0.89% |
| Wayne County | $132,332 | +2.7% | 0.52% |
| Grundy County | $118,497 | +5.3% | 1% |
| Mercer County | $138,973 | +1.2% | 0.96% |
| Gentry County | $141,201 | +3.9% | 0.93% |
| Atchison County | $142,417 | +0.5% | 1.16% |
| Mississippi County | $107,055 | +0.7% | 0.81% |
| Linn County | $152,065 | +9.7% | 0.72% |
| New Madrid County | $103,762 | +1.1% | 0.73% |
| Sullivan County | $101,597 | +2.6% | 0.69% |
Frequently asked questions
What is the average home price in Scotland County, MO?
The typical home value in Scotland County is $128,606 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Scotland County?
About $36,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Scotland County?
The median effective rate is 0.79% of home value a year (Census ACS 2024 5-year estimates).