Camden County, MO Average Home Price (2026)
The average home price in Camden County, Missouri is about $318,000 (the 2026 median across 10 ZIP codes, at ~$246/sq ft) — 30% more expensive than the Missouri median and 10% more expensive than the typical U.S. home.
How Camden County compares
Camden County is about average for housing nationally: its typical home costs $318,000 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $211,000 to $401,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Camden County | $318,000 | $246 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Camden County home prices by ZIP code
The 10 most valuable ZIP codes in Camden County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 65079 Sunrise Beach | $401,000 | $318 | +26% |
| 65787 Roach | $346,000 | $262 | +9% |
| 65052 Montreal | $345,000 | $203 | +8% |
| 65049 Lake Ozark | $342,000 | $245 | +8% |
| 65065 Osage Beach | $329,000 | $273 | +3% |
| 65020 Camdenton | $307,000 | $247 | -3% |
| 65324 Climax Springs | $300,000 | $312 | -6% |
| 65591 Montreal | $239,000 | $208 | -25% |
| 65786 Macks Creek | $219,000 | $169 | -31% |
| 65567 Stoutland | $211,000 | $102 | -34% |
Home value appreciation in Camden County
Home prices in Camden County have risen about 113% over the last 10 years (≈7.8% a year) and +115.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.5% — still rising. A home worth $318,000 today was worth roughly $149,436 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Missouri is +88.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Camden County
Run the numbers for Camden County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Camden County
To buy the typical $318,000 home in Camden County with 20% down, you need a household income of roughly $87,000 a year (about $2,020 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $103,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,900 | $2,510/mo | $108,000/yr |
| 10% (+PMI) | $31,800 | $2,400/mo | $103,000/yr |
| 20% | $63,600 | $2,020/mo | $87,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Camden County
At about $246 per square foot, here is roughly how much home different budgets get you in Camden County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 610 sq ft | below the local median — condos, smaller or older homes |
| $200k | 810 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1020 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1220 sq ft | around the typical home here |
| $400k | 1630 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Missouri.
Estimate a specific home in Camden County
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Camden County home prices: frequently asked
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Browse all Missouri cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.