Missouri home prices and mortgage costs
Typical home value $265,387 · +3.4% in a year · property tax 0.79%
Typical home value
$265,387
Payment (20% down)
$1,736
Income needed
$74,400
Missouri ranks 39th most expensive of 51 states and D.C. Home values changed +3.4% over the past year and +26.3% over five years. Buying the typical home with 20% down costs about $1,736 a month at 7.11%, which needs a household income of about $74,400.
Cost of the typical Missouri home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,077 | $212,310 | $1,428 | $0 | $307 | $1,736 | $74,400 |
| 10% down | $26,539 | $238,849 | $1,607 | $100 | $307 | $2,014 | $86,300 |
| 5% down | $13,269 | $252,118 | $1,696 | $105 | $307 | $2,109 | $90,400 |
| 3.5% down (FHA) | $9,289 | $260,581 | $1,753 | $117 | $307 | $2,178 | $93,300 |
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.
Check a specific budget: how much house you can afford in Missouri by salary · payment on a $250K home in Missouri
Home prices by county in Missouri
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Platte County | $389,181 | +2.2% | 1.05% | $2,629 | $112,700 |
| Saint Charles County | $372,123 | +2.2% | 1.08% | $2,525 | $108,200 |
| Cass County | $341,122 | +4.1% | 0.86% | $2,250 | $96,400 |
| Warren County | $336,425 | +2.2% | 0.69% | $2,173 | $93,100 |
| Boone County | $328,757 | +2.5% | 0.85% | $2,167 | $92,900 |
| Stone County | $327,095 | +3.9% | 0.47% | $2,052 | $87,900 |
| Camden County | $323,721 | -3.6% | 0.47% | $2,030 | $87,000 |
| Christian County | $318,549 | +2.6% | 0.7% | $2,061 | $88,300 |
| Clay County | $318,510 | +2.4% | 1.07% | $2,157 | $92,400 |
| Lincoln County | $316,603 | +5.4% | 0.74% | $2,058 | $88,200 |
| Clinton County | $292,081 | +5.5% | 0.81% | $1,916 | $82,100 |
| Jefferson County | $291,892 | +4.3% | 0.8% | $1,912 | $82,000 |
| Morgan County | $291,124 | +3.7% | 0.56% | $1,847 | $79,200 |
| Andrew County | $289,942 | +6.2% | 0.73% | $1,881 | $80,600 |
| Cole County | $285,878 | +7.7% | 0.77% | $1,865 | $79,900 |
| Saint Louis County | $285,675 | +2.8% | 1.2% | $1,967 | $84,300 |
| Johnson County | $284,128 | +4.0% | 0.66% | $1,828 | $78,400 |
| Daviess County | $280,878 | +8.0% | 0.66% | $1,806 | $77,400 |
| Polk County | $274,050 | +2.0% | 0.55% | $1,738 | $74,500 |
| Callaway County | $270,364 | +6.7% | 0.77% | $1,763 | $75,600 |
| Webster County | $268,140 | +5.0% | 0.52% | $1,694 | $72,600 |
| Sainte Genevieve County | $265,523 | +10.4% | 0.63% | $1,701 | $72,900 |
| Osage County | $265,223 | +4.6% | 0.59% | $1,689 | $72,400 |
| Franklin County | $264,683 | +4.9% | 0.8% | $1,732 | $74,200 |
| Miller County | $263,109 | +3.6% | 0.57% | $1,673 | $71,700 |
| Ray County | $262,323 | +4.4% | 0.8% | $1,718 | $73,600 |
| Ralls County | $258,256 | +4.4% | 0.73% | $1,676 | $71,800 |
| Greene County | $255,838 | +3.2% | 0.71% | $1,656 | $71,000 |
| Lafayette County | $248,526 | +7.3% | 0.73% | $1,613 | $69,100 |
| Jackson County | $247,543 | +2.7% | 1.12% | $1,686 | $72,300 |
| Maries County | $247,200 | +9.0% | 0.51% | $1,559 | $66,800 |
| Caldwell County | $246,003 | +3.5% | 0.8% | $1,612 | $69,100 |
| Taney County | $245,474 | -0.6% | 0.55% | $1,556 | $66,700 |
| Newton County | $244,970 | +4.6% | 0.63% | $1,570 | $67,300 |
| Barry County | $242,990 | +3.9% | 0.53% | $1,536 | $65,800 |
| Cooper County | $242,786 | +3.9% | 0.66% | $1,561 | $66,900 |
| Cape Girardeau County | $242,411 | +4.5% | 0.64% | $1,556 | $66,700 |
| Moniteau County | $241,712 | +4.7% | 0.68% | $1,560 | $66,800 |
| Douglas County | $239,433 | +7.2% | 0.44% | $1,496 | $64,100 |
| Dallas County | $239,061 | +7.1% | 0.4% | $1,485 | $63,700 |
| Laclede County | $237,472 | +5.3% | 0.6% | $1,516 | $65,000 |
| DeKalb County | $236,909 | +5.7% | 0.76% | $1,543 | $66,100 |
| Gasconade County | $236,772 | +4.0% | 0.73% | $1,537 | $65,900 |
| Perry County | $236,630 | +7.6% | 0.74% | $1,538 | $65,900 |
| Montgomery County | $236,099 | +10.9% | 0.76% | $1,537 | $65,900 |
| Phelps County | $232,325 | +5.3% | 0.64% | $1,489 | $63,800 |
| Pulaski County | $231,876 | +4.3% | 0.61% | $1,482 | $63,500 |
| McDonald County | $230,115 | +5.1% | 0.46% | $1,442 | $61,800 |
| Cedar County | $229,184 | +5.3% | 0.62% | $1,467 | $62,900 |
| Howard County | $227,624 | +6.2% | 0.77% | $1,485 | $63,600 |
| Bates County | $226,765 | +3.5% | 0.61% | $1,449 | $62,100 |
| Ozark County | $224,762 | +5.8% | 0.44% | $1,404 | $60,200 |
| Henry County | $223,535 | +3.5% | 0.81% | $1,465 | $62,800 |
| Monroe County | $222,580 | +5.9% | 0.8% | $1,457 | $62,500 |
| Pike County | $221,907 | +9.5% | 0.67% | $1,429 | $61,300 |
| Nodaway County | $221,558 | +3.7% | 0.77% | $1,445 | $61,900 |
| Howell County | $221,167 | +7.3% | 0.5% | $1,394 | $59,700 |
| Crawford County | $220,192 | +8.2% | 0.56% | $1,398 | $59,900 |
| Jasper County | $217,594 | +1.5% | 0.72% | $1,410 | $60,400 |
| Lewis County | $211,970 | +9.7% | 0.71% | $1,371 | $58,800 |
| Wright County | $208,979 | +3.6% | 0.4% | $1,299 | $55,700 |
| Putnam County | $206,807 | +4.8% | 1.01% | $1,391 | $59,600 |
| Lawrence County | $205,738 | +1.7% | 0.59% | $1,311 | $56,200 |
| Texas County | $204,908 | +8.2% | 0.49% | $1,288 | $55,200 |
| Hickory County | $204,845 | +12.1% | 0.41% | $1,275 | $54,600 |
| Saint Clair County | $204,249 | +4.3% | 0.61% | $1,306 | $56,000 |
| Dade County | $199,292 | +6.4% | 0.62% | $1,275 | $54,600 |
| Macon County | $198,532 | +4.0% | 0.69% | $1,283 | $55,000 |
| Marion County | $198,277 | +4.0% | 0.82% | $1,302 | $55,800 |
| Knox County | $197,801 | +10.8% | 0.83% | $1,300 | $55,700 |
| Pettis County | $197,598 | +2.0% | 0.78% | $1,290 | $55,300 |
| Bollinger County | $197,155 | +3.4% | 0.58% | $1,254 | $53,700 |
| Shelby County | $196,909 | +9.0% | 0.86% | $1,299 | $55,700 |
| Saline County | $194,286 | +6.0% | 0.78% | $1,269 | $54,400 |
| Carter County | $193,875 | +4.0% | 0.42% | $1,209 | $51,800 |
| Benton County | $193,305 | +1.9% | 0.53% | $1,222 | $52,400 |
| Saint Francois County | $193,128 | +2.4% | 0.7% | $1,249 | $53,500 |
| Adair County | $192,861 | +4.7% | 0.77% | $1,258 | $53,900 |
| Livingston County | $192,610 | +0.9% | 0.81% | $1,263 | $54,100 |
| Dent County | $192,514 | +6.3% | 0.52% | $1,216 | $52,100 |
| Washington County | $190,976 | +6.7% | 0.56% | $1,212 | $51,900 |
| Buchanan County | $190,751 | +4.1% | 0.77% | $1,244 | $53,300 |
| Audrain County | $190,175 | +8.5% | 0.79% | $1,244 | $53,300 |
| Barton County | $183,965 | +2.6% | 0.71% | $1,190 | $51,000 |
| Vernon County | $181,319 | +6.6% | 0.67% | $1,168 | $50,100 |
| Randolph County | $180,864 | +5.5% | 0.78% | $1,181 | $50,600 |
| Schuyler County | $179,965 | +12.5% | 0.79% | $1,177 | $50,400 |
| Shannon County | $179,646 | +5.0% | 0.43% | $1,121 | $48,000 |
| Chariton County | $177,593 | -10.3% | 0.64% | $1,139 | $48,800 |
| Saint Louis City | $176,514 | -0.4% | 1.03% | $1,190 | $51,000 |
| Butler County | $174,679 | +10.9% | 0.67% | $1,124 | $48,200 |
| Clark County | $172,862 | +13.4% | 0.87% | $1,142 | $48,900 |
| Madison County | $171,846 | +3.9% | 0.71% | $1,113 | $47,700 |
| Carroll County | $168,905 | +7.3% | 0.79% | $1,104 | $47,300 |
| Oregon County | $168,276 | +2.6% | 0.55% | $1,067 | $45,700 |
| Scott County | $161,604 | +0.5% | 0.62% | $1,034 | $44,300 |
| Iron County | $159,410 | +6.4% | 0.68% | $1,028 | $44,000 |
| Stoddard County | $157,987 | +4.7% | 0.66% | $1,015 | $43,500 |
| Ripley County | $157,576 | +7.2% | 0.46% | $987 | $42,300 |
| Reynolds County | $156,255 | +5.5% | 0.37% | $967 | $41,400 |
| Linn County | $152,065 | +9.7% | 0.72% | $986 | $42,200 |
| Atchison County | $142,417 | +0.5% | 1.16% | $976 | $41,800 |
| Gentry County | $141,201 | +3.9% | 0.93% | $940 | $40,300 |
| Mercer County | $138,973 | +1.2% | 0.96% | $928 | $39,800 |
| Wayne County | $132,332 | +2.7% | 0.52% | $836 | $35,800 |
| Harrison County | $130,880 | +4.5% | 0.89% | $867 | $37,100 |
| Scotland County | $128,606 | +3.3% | 0.79% | $841 | $36,000 |
| Grundy County | $118,497 | +5.3% | 1% | $796 | $34,100 |
| Mississippi County | $107,055 | +0.7% | 0.81% | $702 | $30,100 |
| New Madrid County | $103,762 | +1.1% | 0.73% | $673 | $28,900 |
| Sullivan County | $101,597 | +2.6% | 0.69% | $656 | $28,100 |
| Dunklin County | $94,976 | +7.5% | 0.7% | $614 | $26,300 |
| Pemiscot County | $92,164 | -10.5% | 0.95% | $615 | $26,400 |
Metro areas in Missouri
Frequently asked questions
What is the average home price in Missouri?
The typical home in Missouri is worth $265,387 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Missouri?
About $74,400 a year to buy the typical $265,387 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Missouri?
The typical effective rate is 0.79% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).