Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$230,115+5.1% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$49,884About 0.9× the local median income ($54,502): affordable for a typical household
Days on market74 daysSlower than a year ago: buyers have time to negotiate
The typical home in McDonald County, MO is worth $230,115, up 5.1% from a year ago. That is well above what local incomes have historically supported: fair value is about $208,628, so the area is 10.3% overvalued. It is a balanced market, leaning toward sellers: homes take about 74 days to sell, listings are up 5% from a year ago, 16% of listings have had a price cut. A household needs about $49,884 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 $54,502. In the latest IRS figures, 31 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
$230,115
Change in 1 year
+5.1%
Overvalued %
+10.3%
Show 6 more
Fair home value
$208,628
Change in 5 years
+29.6%
Home value to income
4.2×
Monthly mortgage payment (20% down)
$1,247
Income needed to afford it
$49,884
Property tax rate
0.46%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$962
Market activity
Listings vs a year ago
+4.8%
Days on market
74
Listings with a price cut
15.6%
Show 3 more
Homes for sale
88
Pending sales per 100 listings
28
Asking price per sq ft
$198
People and jobs
Median household income
$54,502
Population change (1 year)
+0.7%
Unemployment rate
6.8%
Show 4 more
Population
23,992
Income adjusted for cost of living
$64,961
Net moves in (IRS)
+31
Cost of living (US = 100)
83.9
Schools, risk and environment
School rating (1 to 10)
5.3
FEMA hazard risk score (0 to 100)
64.0
Flood risk score
73.7
Show 3 more
Wildfire risk score
72.8
Walkability (1 to 20)
4.8
Road, rail and air noise
53 dB
Questions people ask
Is McDonald County, MO overvalued?
Home prices in McDonald County, MO are well above what local incomes have historically supported: fair value is about $208,628, so the area is 10.3% overvalued.
Is McDonald County, MO a buyer's or seller's market?
McDonald County, MO is a balanced market, leaning toward sellers: homes take about 74 days to sell, listings are up 5% from a year ago, 16% of listings have had a price cut.
Are home prices going down in McDonald County, MO?
Home values in McDonald County, MO are up 5.1% over the last year.
How much do you need to earn to buy a home in McDonald County, MO?
A household needs about $49,884 a year to afford the typical home in McDonald County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $54,502.