Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$285,878+7.7% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 17% have cut their price
Income needed to buy, per year$61,972About 0.8× the local median income ($75,881): affordable for a typical household
Days on market46 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+5.1%Zillow expects prices to rise strongly
The typical home in Cole County, MO is worth $285,878, up 7.7% from a year ago. That is well above what local incomes have historically supported: fair value is about $234,155, so the area is 22.1% overvalued. It is a balanced market, leaning toward sellers: homes take about 46 days to sell, listings are up 45% from a year ago, 17% of listings have had a price cut. Zillow expects prices to rise about 5.1% over the next year. A household needs about $61,972 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 $75,881. Typical rent is $1,005 a month, or $1,428 for a house. In the latest IRS figures, 94 more people moved in than out.
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
$285,878
Change in 1 year
+7.7%
Overvalued %
+22.1%
Show 7 more
Fair home value
$234,155
Change in 5 years
+42.3%
Zillow forecast, next 12 months
+5.1%
Home value to income
3.8×
Monthly mortgage payment (20% down)
$1,549
Income needed to afford it
$61,972
Property tax rate
0.77%
Rent and investing
Typical rent
$1,005
Typical rent for houses
$1,428
Price-to-rent ratio
23.7×
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HUD Fair Market Rent, 2 bedrooms
$962
Gross rental yield
4.22%
Cap rate (estimate)
2.74%
Market activity
Listings vs a year ago
+45.1%
Days on market
46
Listings with a price cut
17.0%
Show 3 more
Homes for sale
148
Pending sales per 100 listings
66
Asking price per sq ft
$160
People and jobs
Median household income
$75,881
Population change (1 year)
+0.2%
Unemployment rate
2.9%
Show 4 more
Population
77,908
Income adjusted for cost of living
$86,228
Net moves in (IRS)
+94
Cost of living (US = 100)
88.0
Schools, risk and environment
School rating (1 to 10)
6.5
FEMA hazard risk score (0 to 100)
73.4
Flood risk score
73.5
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Wildfire risk score
71.7
Walkability (1 to 20)
6.6
Road, rail and air noise
54 dB
Questions people ask
Is Cole County, MO overvalued?
Home prices in Cole County, MO are well above what local incomes have historically supported: fair value is about $234,155, so the area is 22.1% overvalued.
Is Cole County, MO a buyer's or seller's market?
Cole County, MO is a balanced market, leaning toward sellers: homes take about 46 days to sell, listings are up 45% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Cole County, MO?
Home values in Cole County, MO are up 7.7% over the last year. Zillow's forecast for the next 12 months is +5.1%.
How much do you need to earn to buy a home in Cole County, MO?
A household needs about $61,972 a year to afford the typical home in Cole County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $75,881.