St. Francois County, MO Average Home Price (2026)
The average home price in St. Francois County, Missouri is about $177,500 (the 2026 median across 8 ZIP codes, at ~$164/sq ft) — 28% more affordable than the Missouri median and 39% more affordable than the typical U.S. home.
How St. Francois County compares
St. Francois County is relatively affordable for housing nationally: its typical home costs $177,500 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $89,000 to $282,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| St. Francois County | $177,500 | $164 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
St. Francois County home prices by ZIP code
The 8 most valuable ZIP codes in St. Francois County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 63087 Valles Mines | $282,000 | $240 | +59% |
| 63640 Farmington | $261,000 | $177 | +47% |
| 63628 Bonne Terre | $204,000 | $151 | +15% |
| 63637 Doe Run | $194,000 | $178 | +9% |
| 63601 Park Hills | $161,000 | $119 | -9% |
| 63624 Bismarck | $129,000 | $118 | -27% |
| 63036 French Village | $118,000 | $184 | -34% |
| 63653 Leadwood | $89,000 | $83 | -50% |
Home value appreciation in St. Francois County
Home prices in St. Francois County have risen about 80% over the last 10 years (≈6.1% a year) and +76.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.7% — still rising. A home worth $177,500 today was worth roughly $98,556 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 St. Francois County
Run the numbers for St. Francois County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in St. Francois County
To buy the typical $177,500 home in St. Francois County with 20% down, you need a household income of roughly $48,000 a year (about $1,130 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $57,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,900 | $1,400/mo | $60,000/yr |
| 10% (+PMI) | $17,800 | $1,340/mo | $57,000/yr |
| 20% | $35,500 | $1,130/mo | $48,000/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 St. Francois County
At about $164 per square foot, here is roughly how much home different budgets get you in St. Francois County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 910 sq ft | around the typical home here |
| $200k | 1220 sq ft | around the typical home here |
| $250k | 1520 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1830 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2440 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 St. Francois County
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St. Francois County home prices: frequently asked
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Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.