Market Overview
Home Prices in Bernie, MO
The median home value in Bernie, MO is $116,009 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.6% compared to a year ago and down 3.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bernie are priced72% below average. Bernie is part of the Kennett, MO metro area.
Over the past five years, Bernie home values have risen by approximately18.8%, reflecting steady appreciation in this market.
Price History
Bernie Home Price Trend
2020
$87,162
$87K
—
2021
$97,638
$98K
+12.0%
2022
$104,883
$105K
+7.4%
2023
$109,015
$109K
+3.9%
2024
$110,371
$110K
+1.2%
2025
$106,788
$107K
-3.2%
2026
$116,009
$116K
+8.6%
City Comparison
Bernie vs. National Median
🏠 Bernie
$116,009
National Median
$410,000
At $116,009, homes in Bernie cost 72% below the national median of $410,000. This makes Bernie a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Bernie?
20% Down Payment
$23,202
on $116,009
Monthly P&I
$605/mo
30-yr @ 6.8%
Total Monthly Est.
~$768/mo
incl. taxes & insurance
Income Needed
$30,720
gross annual (30% rule)
10% Down Option
$11,601
+ PMI applies
Loan Amount (20% dn)
$92,807
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 Bernie, MO?
The median home value in Bernie is $116,009 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.6% year-over-year.
How much have home prices changed in Bernie?
Over the past year, home values in Bernie have increased by 8.6%. Over five years, prices have risen approximately 18.8%.
How much do I need to earn to buy a home in Bernie?
To comfortably afford the median home price of $116,009 with a 20% down payment ($23,202) at today's rates (6.8%), you'd need a gross annual income of approximately $30,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Bernie compare to the national average home price?
The national median home value is approximately $410,000. At $116,009, homes in Bernie are 72% below the national average.
What metro area is Bernie part of?
Bernie is part of the Kennett, MO metropolitan area. Home prices and market conditions can vary across the broader metro region.