Market Overview
Home Prices in Charlack, MO
The median home value in Charlack, MO is $140,431 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.8% compared to a year ago and down 0.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Charlack are priced66% below average. Charlack is part of the St. Louis, MO-IL metro area.
Over the past five years, Charlack home values have risen by approximately10.4%, reflecting steady appreciation in this market.
Price History
Charlack Home Price Trend
City Comparison
Charlack vs. National Median
At $140,431, homes in Charlack cost 66% below the national median of $410,000. This makes Charlack a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Charlack?
20% Down Payment
$28,086
on $140,431
Monthly P&I
$732/mo
30-yr @ 6.8%
Total Monthly Est.
~$930/mo
incl. taxes & insurance
Income Needed
$37,200
gross annual (30% rule)
10% Down Option
$14,043
+ PMI applies
Loan Amount (20% dn)
$112,345
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 Charlack, MO?
The median home value in Charlack is $140,431 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.8% year-over-year.
How much have home prices changed in Charlack?
Over the past year, home values in Charlack have decreased by 0.8%. Over five years, prices have risen approximately 10.4%.
How much do I need to earn to buy a home in Charlack?
To comfortably afford the median home price of $140,431 with a 20% down payment ($28,086) at today's rates (6.8%), you'd need a gross annual income of approximately $37,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Charlack compare to the national average home price?
The national median home value is approximately $410,000. At $140,431, homes in Charlack are 66% below the national average.
What metro area is Charlack part of?
Charlack is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.