Stone County, Missouri home prices
Typical home $327,095 · +3.9% in a year · property tax 0.47%
The typical home in Stone County is worth $327,095, 23% more than the Missouri typical home ($265,387). Values changed +3.9% in the past year and +24.1% over five years. Homeowners here pay a median 0.47% of their home's value in property tax each year ($1,534 on the typical home), versus 0.79% statewide.
Mortgage on the typical Stone County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $65,419 | $261,676 | $1,760 | $0 | $291 | $2,052 | $87,900 |
| 10% down | $32,710 | $294,386 | $1,980 | $123 | $291 | $2,394 | $102,600 |
| 5% down | $16,355 | $310,740 | $2,090 | $129 | $291 | $2,511 | $107,600 |
| 3.5% down (FHA) | $11,448 | $321,171 | $2,161 | $145 | $291 | $2,597 | $111,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.47% 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 |
|---|---|---|---|
| Boone County | $328,757 | +2.5% | 0.85% |
| Camden County | $323,721 | -3.6% | 0.47% |
| Christian County | $318,549 | +2.6% | 0.7% |
| Clay County | $318,510 | +2.4% | 1.07% |
| Warren County | $336,425 | +2.2% | 0.69% |
| Lincoln County | $316,603 | +5.4% | 0.74% |
| 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 Stone County, MO?
The typical home value in Stone County is $327,095 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Stone County?
About $87,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Stone County?
The median effective rate is 0.47% of home value a year (Census ACS 2024 5-year estimates).