Market Overview
Home Prices in Arcola, MO
The median home value in Arcola, MO is $239,703 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8% compared to a year ago and up 0.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Arcola are priced42% below average.
Over the past five years, Arcola home values have risen by approximately35.5%, reflecting strong long-term appreciation in this market.
Price History
Arcola Home Price Trend
2021
$176,949
$177K
—
2022
$215,921
$216K
+22.0%
2023
$209,513
$210K
-3.0%
2024
$220,698
$221K
+5.3%
2025
$221,968
$222K
+0.6%
2026
$239,703
$240K
+8.0%
City Comparison
Arcola vs. National Median
🏠 Arcola
$239,703
National Median
$410,000
At $239,703, homes in Arcola cost 42% below the national median of $410,000. This makes Arcola a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Arcola?
20% Down Payment
$47,941
on $239,703
Monthly P&I
$1,250/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,588/mo
incl. taxes & insurance
Income Needed
$63,520
gross annual (30% rule)
10% Down Option
$23,970
+ PMI applies
Loan Amount (20% dn)
$191,762
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Arcola, MO?
The median home value in Arcola is $239,703 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8% year-over-year.
How much have home prices changed in Arcola?
Over the past year, home values in Arcola have increased by 8%. Over five years, prices have risen approximately 35.5%.
How much do I need to earn to buy a home in Arcola?
To comfortably afford the median home price of $239,703 with a 20% down payment ($47,941) at today's rates (6.8%), you'd need a gross annual income of approximately $63,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Arcola compare to the national average home price?
The national median home value is approximately $410,000. At $239,703, homes in Arcola are 42% below the national average.