Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$248,526+7.3% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 15% have cut their price
Income needed to buy, per year$53,875About 0.7× the local median income ($74,488): affordable for a typical household
Days on market65 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+2.9%Zillow expects prices to rise slightly
The typical home in Lafayette County, MO is worth $248,526, up 7.3% from a year ago. That is well above what local incomes have historically supported: fair value is about $195,947, so the area is 26.8% overvalued. It is a balanced market: homes take about 65 days to sell, listings are up 12% from a year ago, 15% of listings have had a price cut. Zillow expects prices to rise about 2.9% over the next year. A household needs about $53,875 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 $74,488. In the latest IRS figures, 187 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
$248,526
Change in 1 year
+7.3%
Overvalued %
+26.8%
Show 7 more
Fair home value
$195,947
Change in 5 years
+37.4%
Zillow forecast, next 12 months
+2.9%
Home value to income
3.3×
Monthly mortgage payment (20% down)
$1,347
Income needed to afford it
$53,875
Property tax rate
0.73%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,546
Market activity
Listings vs a year ago
+11.7%
Days on market
65
Listings with a price cut
15.3%
Show 3 more
Homes for sale
105
Pending sales per 100 listings
32
Asking price per sq ft
$156
People and jobs
Median household income
$74,488
Population change (1 year)
+0.3%
Unemployment rate
3.0%
Show 4 more
Population
33,531
Income adjusted for cost of living
$80,528
Net moves in (IRS)
+187
Cost of living (US = 100)
92.5
Schools, risk and environment
School rating (1 to 10)
4.8
FEMA hazard risk score (0 to 100)
52.5
Flood risk score
44.3
Show 3 more
Wildfire risk score
34.0
Walkability (1 to 20)
6.4
Road, rail and air noise
54 dB
Questions people ask
Is Lafayette County, MO overvalued?
Home prices in Lafayette County, MO are well above what local incomes have historically supported: fair value is about $195,947, so the area is 26.8% overvalued.
Is Lafayette County, MO a buyer's or seller's market?
Lafayette County, MO is a balanced market: homes take about 65 days to sell, listings are up 12% from a year ago, 15% of listings have had a price cut.
Are home prices going down in Lafayette County, MO?
Home values in Lafayette County, MO are up 7.3% 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 Lafayette County, MO?
A household needs about $53,875 a year to afford the typical home in Lafayette County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $74,488.