Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$274,050+2.0% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 14% have cut their price
Income needed to buy, per year$59,408About 1.0× the local median income ($60,993): affordable for a typical household
Days on market59 daysFaster than a year ago: sellers have the edge
Next 12 months+2.4%Zillow expects prices to rise slightly
The typical home in Polk County, MO is worth $274,050, up 2.0% from a year ago. That is well above what local incomes have historically supported: fair value is about $235,252, so the area is 16.5% overvalued. It is a balanced market, leaning toward buyers: homes take about 59 days to sell, listings are up 17% from a year ago, 14% of listings have had a price cut. Zillow expects prices to rise about 2.4% over the next year. A household needs about $59,408 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 $60,993. Typical rent is $1,038 a month, or $1,227 for a house. In the latest IRS figures, 28 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
$274,050
Change in 1 year
+2.0%
Overvalued %
+16.5%
Show 7 more
Fair home value
$235,252
Change in 5 years
+32.7%
Zillow forecast, next 12 months
+2.4%
Home value to income
4.5×
Monthly mortgage payment (20% down)
$1,485
Income needed to afford it
$59,408
Property tax rate
0.55%
Rent and investing
Typical rent
$1,038
Typical rent for houses
$1,227
Price-to-rent ratio
22.0×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$962
Gross rental yield
4.54%
Cap rate (estimate)
2.95%
Market activity
Listings vs a year ago
+16.8%
Days on market
59
Listings with a price cut
14.5%
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Homes for sale
160
Pending sales per 100 listings
25
Asking price per sq ft
$170
People and jobs
Median household income
$60,993
Population change (1 year)
+1.2%
Unemployment rate
4.0%
Show 4 more
Population
33,604
Income adjusted for cost of living
$68,841
Net moves in (IRS)
+28
Cost of living (US = 100)
88.6
Schools, risk and environment
School rating (1 to 10)
5.8
FEMA hazard risk score (0 to 100)
54.5
Flood risk score
57.9
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Wildfire risk score
72.2
Walkability (1 to 20)
5.6
Road, rail and air noise
53 dB
Questions people ask
Is Polk County, MO overvalued?
Home prices in Polk County, MO are well above what local incomes have historically supported: fair value is about $235,252, so the area is 16.5% overvalued.
Is Polk County, MO a buyer's or seller's market?
Polk County, MO is a balanced market, leaning toward buyers: homes take about 59 days to sell, listings are up 17% from a year ago, 14% of listings have had a price cut.
Are home prices going down in Polk County, MO?
Home values in Polk County, MO are up 2.0% over the last year. Zillow's forecast for the next 12 months is +2.4%.
How much do you need to earn to buy a home in Polk County, MO?
A household needs about $59,408 a year to afford the typical home in Polk County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,993.