Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$193,128+2.4% YoY · prices are rising
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 20% have cut their price
Income needed to buy, per year$41,866About 0.7× the local median income ($58,563): affordable for a typical household
Days on market53 daysFaster than a year ago: sellers have the edge
The typical home in Saint Francois County, MO is worth $193,128, up 2.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $173,704, so the area is 11.2% overvalued. It is a balanced market, leaning toward sellers: homes take about 53 days to sell, listings are down 10% from a year ago, 20% of listings have had a price cut. A household needs about $41,866 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 $58,563. Typical rent is $999 a month. In the latest IRS figures, 335 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
$193,128
Change in 1 year
+2.4%
Overvalued %
+11.2%
Show 6 more
Fair home value
$173,704
Change in 5 years
+25.0%
Home value to income
3.3×
Monthly mortgage payment (20% down)
$1,047
Income needed to afford it
$41,866
Property tax rate
0.70%
Rent and investing
Typical rent
$999
Price-to-rent ratio
16.1×
HUD Fair Market Rent, 2 bedrooms
$988
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Gross rental yield
6.21%
Cap rate (estimate)
4.04%
Market activity
Listings vs a year ago
−9.7%
Days on market
53
Listings with a price cut
20.1%
Show 3 more
Homes for sale
177
Pending sales per 100 listings
51
Asking price per sq ft
$146
People and jobs
Median household income
$58,563
Population change (1 year)
+0.5%
Unemployment rate
4.5%
Show 4 more
Population
67,809
Income adjusted for cost of living
$69,801
Net moves in (IRS)
+335
Cost of living (US = 100)
83.9
Schools, risk and environment
School rating (1 to 10)
6.6
FEMA hazard risk score (0 to 100)
78.5
Flood risk score
70.4
Show 3 more
Wildfire risk score
57.3
Walkability (1 to 20)
7.1
Road, rail and air noise
54 dB
Questions people ask
Is Saint Francois County, MO overvalued?
Home prices in Saint Francois County, MO are well above what local incomes have historically supported: fair value is about $173,704, so the area is 11.2% overvalued.
Is Saint Francois County, MO a buyer's or seller's market?
Saint Francois County, MO is a balanced market, leaning toward sellers: homes take about 53 days to sell, listings are down 10% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Saint Francois County, MO?
Home values in Saint Francois County, MO are up 2.4% over the last year.
How much do you need to earn to buy a home in Saint Francois County, MO?
A household needs about $41,866 a year to afford the typical home in Saint Francois County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $58,563.