Lincoln County, MO Average Home Price (2026)
The average home price in Lincoln County, Missouri is about $320,000 (the 2026 median across 8 ZIP codes, at ~$192/sq ft) — 31% more expensive than the Missouri median and 11% more expensive than the typical U.S. home.
How Lincoln County compares
Lincoln County is about average for housing nationally: its typical home costs $320,000 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $213,000 to $383,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Lincoln County | $320,000 | $192 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Lincoln County home prices by ZIP code
The 8 most valuable ZIP codes in Lincoln County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 63377 Silex | $383,000 | $282 | +20% |
| 63369 Old Monroe | $349,000 | $184 | +9% |
| 63362 Moscow Mills | $345,000 | $188 | +8% |
| 63349 Hawk Point | $321,000 | $219 | +0% |
| 63379 Troy | $319,000 | $202 | +0% |
| 63389 Winfield | $286,000 | $195 | -11% |
| 63347 Foley | $272,000 | $176 | -15% |
| 63343 Elsberry | $213,000 | $145 | -33% |
Home value appreciation in Lincoln County
Home prices in Lincoln County have risen about 92% over the last 10 years (≈6.7% a year) and +78.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.1% — still rising. A home worth $320,000 today was worth roughly $166,840 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 Lincoln County
Run the numbers for Lincoln County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Lincoln County
To buy the typical $320,000 home in Lincoln County with 20% down, you need a household income of roughly $87,000 a year (about $2,030 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) | $16,000 | $2,520/mo | $108,000/yr |
| 10% (+PMI) | $32,000 | $2,410/mo | $103,000/yr |
| 20% | $64,000 | $2,030/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 Lincoln County
At about $192 per square foot, here is roughly how much home different budgets get you in Lincoln County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 780 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1040 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1300 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1560 sq ft | around the typical home here |
| $400k | 2080 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 Lincoln County
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Lincoln 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.