Lafayette County, MO Average Home Price (2026)
The average home price in Lafayette County, Missouri is about $229,500 (the 2026 median across 10 ZIP codes, at ~$161/sq ft) — 6% more affordable than the Missouri median and 21% more affordable than the typical U.S. home.
How Lafayette County compares
Lafayette County is about average for housing nationally: its typical home costs $229,500 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $191,000 to $377,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Lafayette County | $229,500 | $161 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Lafayette County home prices by ZIP code
The 10 most valuable ZIP codes in Lafayette County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 64011 Bates City | $377,000 | $240 | +64% |
| 64074 Napoleon | $321,000 | $169 | +40% |
| 64076 Odessa | $283,000 | $202 | +23% |
| 64071 Mayview | $248,000 | $269 | +8% |
| 64020 Sweet Springs | $234,000 | $169 | +2% |
| 64037 Higginsville | $225,000 | $152 | -2% |
| 64001 Alma | $221,000 | $134 | -4% |
| 64067 Lexington | $209,000 | $123 | -9% |
| 64096 Waverly | $200,000 | $89 | -13% |
| 64021 Corder | $191,000 | $119 | -17% |
Home value appreciation in Lafayette County
Home prices in Lafayette County have risen about 106% over the last 10 years (≈7.5% a year) and +103.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.0% — still rising. A home worth $229,500 today was worth roughly $111,570 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 Lafayette County
Run the numbers for Lafayette County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Lafayette County
To buy the typical $229,500 home in Lafayette County with 20% down, you need a household income of roughly $62,000 a year (about $1,460 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $74,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,500 | $1,810/mo | $78,000/yr |
| 10% (+PMI) | $23,000 | $1,730/mo | $74,000/yr |
| 20% | $45,900 | $1,460/mo | $62,000/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 Lafayette County
At about $161 per square foot, here is roughly how much home different budgets get you in Lafayette County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 930 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1240 sq ft | around the typical home here |
| $250k | 1550 sq ft | around the typical home here |
| $300k | 1860 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2480 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 Lafayette County
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Lafayette 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.