West Plains, MO home prices
Typical home $221,233 · +7.3% in a year · income needed $59,700
The West Plains, MO metro area ranks 567 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +7.3% in a year and +43.7% over five years. With 20% down at 7.11%, the typical home costs about $1,394 a month including 0.5% property tax (Howell County rate).
Mortgage on the typical West Plains home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,247 | $176,987 | $1,191 | $0 | $204 | $1,394 | $59,700 |
| 10% down | $22,123 | $199,110 | $1,339 | $83 | $204 | $1,626 | $69,700 |
| 5% down | $11,062 | $210,172 | $1,414 | $88 | $204 | $1,705 | $73,100 |
| 3.5% down (FHA) | $7,743 | $217,226 | $1,461 | $98 | $204 | $1,763 | $75,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.5% 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.
Counties in the West Plains area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Howell County, MO | $221,167 | +7.3% | 0.5% |
What can you afford in Missouri on your salary? · Missouri home prices · Salaries in Missouri
Frequently asked questions
How much is a house in West Plains?
The typical home in the West Plains, MO metro area is worth $221,233 (Zillow, September 2026).
What salary do you need to buy a house in West Plains?
About $59,700 a year for the typical home with 20% down at 7.11%.