Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$246,003+3.5% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 19% have cut their price
Income needed to buy, per year$53,328About 0.8× the local median income ($65,282): affordable for a typical household
Days on market36 daysFaster than a year ago: sellers have the edge
Next 12 months+2.9%Zillow expects prices to rise slightly
The typical home in Caldwell County, MO is worth $246,003, up 3.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $181,200, so the area is 35.8% overvalued. It is a seller's market: homes take about 36 days to sell, listings are down 57% from a year ago, 19% of listings have had a price cut. Zillow expects prices to rise about 2.9% over the next year. A household needs about $53,328 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,282. In the latest IRS figures, 67 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$246,003
Change in 1 year
+3.5%
Overvalued %
+35.8%
Show 7 more
Fair home value
$181,200
Change in 5 years
+30.9%
Zillow forecast, next 12 months
+2.9%
Home value to income
3.8×
Monthly mortgage payment (20% down)
$1,333
Income needed to afford it
$53,328
Property tax rate
0.80%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,546
Market activity
Listings vs a year ago
−56.8%
Days on market
36
Listings with a price cut
19.1%
Show 3 more
Homes for sale
16
Pending sales per 100 listings
50
Asking price per sq ft
$177
People and jobs
Median household income
$65,282
Population change (1 year)
+0.5%
Unemployment rate
2.9%
Show 4 more
Population
9,012
Income adjusted for cost of living
$70,575
Net moves in (IRS)
−67
Cost of living (US = 100)
92.5
Schools, risk and environment
School rating (1 to 10)
6.1
FEMA hazard risk score (0 to 100)
14.4
Flood risk score
21.9
Show 3 more
Wildfire risk score
45.4
Walkability (1 to 20)
5.8
Road, rail and air noise
53 dB
Questions people ask
Is Caldwell County, MO overvalued?
Home prices in Caldwell County, MO are well above what local incomes have historically supported: fair value is about $181,200, so the area is 35.8% overvalued.
Is Caldwell County, MO a buyer's or seller's market?
Caldwell County, MO is a seller's market: homes take about 36 days to sell, listings are down 57% from a year ago, 19% of listings have had a price cut.
Are home prices going down in Caldwell County, MO?
Home values in Caldwell County, MO are up 3.5% over the last year. Zillow's forecast for the next 12 months is +2.9%.
How much do you need to earn to buy a home in Caldwell County, MO?
A household needs about $53,328 a year to afford the typical home in Caldwell County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,282.