Cape Girardeau County, MO Average Home Price (2026)
The average home price in Cape Girardeau County, Missouri is about $248,500 (the 2026 median across 8 ZIP codes, at ~$138/sq ft) — 1% more expensive than the Missouri median and 14% more affordable than the typical U.S. home.
How Cape Girardeau County compares
Cape Girardeau County is about average for housing nationally: its typical home costs $248,500 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $106,000 to $274,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cape Girardeau County | $248,500 | $138 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Cities in Cape Girardeau County
Cities with their own home-value page, largest first:
Cape Girardeau County home prices by ZIP code
The 8 most valuable ZIP codes in Cape Girardeau County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 63769 Oak Ridge | $274,000 | $127 | +10% |
| 63785 Cape Girardeau | $273,000 | $67 | +10% |
| 63755 Jackson | $270,000 | $152 | +9% |
| 63766 Millersville | $254,000 | $202 | +2% |
| 63701 Cape Girardeau | $243,000 | $148 | -2% |
| 63739 Burfordville | $197,000 | $205 | -21% |
| 63703 Cape Girardeau | $116,000 | $84 | -53% |
| 63744 Delta | $106,000 | $56 | -57% |
Home value appreciation in Cape Girardeau County
Home prices in Cape Girardeau County have risen about 64% over the last 10 years (≈5.1% a year) and +73.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.1% — still rising. A home worth $248,500 today was worth roughly $151,709 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 Cape Girardeau County
Run the numbers for Cape Girardeau County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cape Girardeau County
To buy the typical $248,500 home in Cape Girardeau County with 20% down, you need a household income of roughly $68,000 a year (about $1,580 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $80,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,400 | $1,960/mo | $84,000/yr |
| 10% (+PMI) | $24,900 | $1,870/mo | $80,000/yr |
| 20% | $49,700 | $1,580/mo | $68,000/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 Cape Girardeau County
At about $138 per square foot, here is roughly how much home different budgets get you in Cape Girardeau County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1450 sq ft | around the typical home here |
| $250k | 1810 sq ft | around the typical home here |
| $300k | 2170 sq ft | around the typical home here |
| $400k | 2900 sq ft | above the median — larger homes or the pricier ZIPs |
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 Cape Girardeau County
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Cape Girardeau 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.