Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$227,624+6.2% YoY · prices are rising fast
Market right nowBalanced marketFewer homes for sale than last year, 29% have cut their price
Income needed to buy, per year$49,344About 0.8× the local median income ($60,980): affordable for a typical household
Days on market68 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+2.5%Zillow expects prices to rise slightly
The typical home in Howard County, MO is worth $227,624, up 6.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $183,988, so the area is 23.7% overvalued. It is a balanced market: homes take about 68 days to sell, listings are down 9% from a year ago, 29% of listings have had a price cut. Zillow expects prices to rise about 2.5% over the next year. A household needs about $49,344 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 $60,980. In the latest IRS figures, 120 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
$227,624
Change in 1 year
+6.2%
Overvalued %
+23.7%
Show 7 more
Fair home value
$183,988
Change in 5 years
+38.2%
Zillow forecast, next 12 months
+2.5%
Home value to income
3.7×
Monthly mortgage payment (20% down)
$1,234
Income needed to afford it
$49,344
Property tax rate
0.77%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$990
Market activity
Listings vs a year ago
−9.4%
Days on market
68
Listings with a price cut
28.6%
Show 3 more
Homes for sale
29
Pending sales per 100 listings
3
Asking price per sq ft
$134
People and jobs
Median household income
$60,980
Population change (1 year)
+0.5%
Unemployment rate
3.7%
Show 4 more
Population
10,180
Income adjusted for cost of living
$68,210
Net moves in (IRS)
+120
Cost of living (US = 100)
89.4
Schools, risk and environment
School rating (1 to 10)
4.8
FEMA hazard risk score (0 to 100)
13.8
Flood risk score
23.2
Show 3 more
Wildfire risk score
31.9
Walkability (1 to 20)
6.0
Road, rail and air noise
52 dB
Questions people ask
Is Howard County, MO overvalued?
Home prices in Howard County, MO are well above what local incomes have historically supported: fair value is about $183,988, so the area is 23.7% overvalued.
Is Howard County, MO a buyer's or seller's market?
Howard County, MO is a balanced market: homes take about 68 days to sell, listings are down 9% from a year ago, 29% of listings have had a price cut.
Are home prices going down in Howard County, MO?
Home values in Howard County, MO are up 6.2% over the last year. Zillow's forecast for the next 12 months is +2.5%.
How much do you need to earn to buy a home in Howard County, MO?
A household needs about $49,344 a year to afford the typical home in Howard County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,980.