Vernon County, MO Average Home Price (2026)
The average home price in Vernon County, Missouri is about $205,000 (the 2026 median across 10 ZIP codes, at ~$126/sq ft) — 16% more affordable than the Missouri median and 29% more affordable than the typical U.S. home.
How Vernon County compares
Vernon County is relatively affordable for housing nationally: its typical home costs $205,000 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $139,000 to $255,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Vernon County | $205,000 | $126 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Vernon County home prices by ZIP code
The 10 most valuable ZIP codes in Vernon County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 64778 Richards | $255,000 | $134 | +24% |
| 64750 Schell City | $219,000 | $253 | +7% |
| 64771 Moundville | $219,000 | $178 | +7% |
| 64741 Deerfield | $209,000 | $110 | +2% |
| 64752 Rich Hill | $208,000 | $78 | +1% |
| 64790 Walker | $202,000 | $166 | -1% |
| 64728 Bronaugh | $199,000 | $105 | -3% |
| 64784 Sheldon | $192,000 | $179 | -6% |
| 64772 Nevada | $168,000 | $118 | -18% |
| 64783 Rockville | $139,000 | $59 | -32% |
Home value appreciation in Vernon County
Home prices in Vernon County have risen about 93% over the last 10 years (≈6.8% a year) and +96.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +12.9% — still rising. A home worth $205,000 today was worth roughly $106,108 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 Vernon County
Run the numbers for Vernon County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Vernon County
To buy the typical $205,000 home in Vernon County with 20% down, you need a household income of roughly $56,000 a year (about $1,300 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $66,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,300 | $1,620/mo | $69,000/yr |
| 10% (+PMI) | $20,500 | $1,550/mo | $66,000/yr |
| 20% | $41,000 | $1,300/mo | $56,000/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 Vernon County
At about $126 per square foot, here is roughly how much home different budgets get you in Vernon County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1190 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1590 sq ft | around the typical home here |
| $250k | 1980 sq ft | around the typical home here |
| $300k | 2380 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3170 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 Vernon County
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Vernon 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.