Polk County, MO Average Home Price (2026)
The average home price in Polk County, Missouri is about $285,000 (the 2026 median across 9 ZIP codes, at ~$165/sq ft) — 16% more expensive than the Missouri median and 1% more affordable than the typical U.S. home.
How Polk County compares
Polk County is about average for housing nationally: its typical home costs $285,000 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $233,000 to $350,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Polk County | $285,000 | $165 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Polk County home prices by ZIP code
The 9 most valuable ZIP codes in Polk County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 65663 Halfway | $350,000 | $270 | +23% |
| 65640 Dunnegan | $340,000 | $354 | +19% |
| 65617 Brighton | $314,000 | $228 | +10% |
| 65601 Fair Play | $291,000 | $268 | +2% |
| 65649 Fair Play | $285,000 | $135 | +0% |
| 65710 Morrisville | $284,000 | $165 | +0% |
| 65725 Pleasant Hope | $281,000 | $162 | -1% |
| 65613 Bolivar | $267,000 | $163 | -6% |
| 65674 Humansville | $233,000 | $142 | -18% |
Home value appreciation in Polk County
Home prices in Polk County have risen about 100% over the last 10 years (≈7.2% a year) and +103.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $285,000 today was worth roughly $142,287 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 Polk County
Run the numbers for Polk County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Polk County
To buy the typical $285,000 home in Polk County with 20% down, you need a household income of roughly $78,000 a year (about $1,810 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $92,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,300 | $2,250/mo | $96,000/yr |
| 10% (+PMI) | $28,500 | $2,150/mo | $92,000/yr |
| 20% | $57,000 | $1,810/mo | $78,000/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 Polk County
At about $165 per square foot, here is roughly how much home different budgets get you in Polk County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 910 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1210 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1520 sq ft | around the typical home here |
| $300k | 1820 sq ft | around the typical home here |
| $400k | 2420 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 Polk County
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Polk 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.