Market Overview
Home Prices in Birch Tree, MO
The median home value in Birch Tree, MO is $178,539 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.6% compared to a year ago and up 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Birch Tree are priced56% below average.
Over the past five years, Birch Tree home values have risen by approximately23.5%, reflecting strong long-term appreciation in this market.
Price History
Birch Tree Home Price Trend
2020
$120,938
$121K
—
2021
$144,582
$145K
+19.6%
2022
$169,617
$170K
+17.3%
2023
$173,638
$174K
+2.4%
2024
$171,132
$171K
-1.4%
2025
$172,274
$172K
+0.7%
2026
$178,539
$179K
+3.6%
City Comparison
Birch Tree vs. National Median
🏠 Birch Tree
$178,539
National Median
$410,000
At $178,539, homes in Birch Tree cost 56% below the national median of $410,000. This makes Birch Tree a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Birch Tree?
20% Down Payment
$35,708
on $178,539
Monthly P&I
$931/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,182/mo
incl. taxes & insurance
Income Needed
$47,280
gross annual (30% rule)
10% Down Option
$17,854
+ PMI applies
Loan Amount (20% dn)
$142,831
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 Birch Tree, MO?
The median home value in Birch Tree is $178,539 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.6% year-over-year.
How much have home prices changed in Birch Tree?
Over the past year, home values in Birch Tree have increased by 3.6%. Over five years, prices have risen approximately 23.5%.
How much do I need to earn to buy a home in Birch Tree?
To comfortably afford the median home price of $178,539 with a 20% down payment ($35,708) at today's rates (6.8%), you'd need a gross annual income of approximately $47,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Birch Tree compare to the national average home price?
The national median home value is approximately $410,000. At $178,539, homes in Birch Tree are 56% below the national average.