Market Overview
Home Prices in Cool Valley, MO
The median home value in Cool Valley, MO is $109,021 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.1% compared to a year ago and down 3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cool Valley are priced73% below average. Cool Valley is part of the St. Louis, MO-IL metro area.
Over the past five years, Cool Valley home values have risen by approximately4.2%, reflecting modest growth in this market.
Price History
Cool Valley Home Price Trend
City Comparison
Cool Valley vs. National Median
At $109,021, homes in Cool Valley cost 73% below the national median of $410,000. This makes Cool Valley a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cool Valley?
20% Down Payment
$21,804
on $109,021
Monthly P&I
$569/mo
30-yr @ 6.8%
Total Monthly Est.
~$723/mo
incl. taxes & insurance
Income Needed
$28,920
gross annual (30% rule)
10% Down Option
$10,902
+ PMI applies
Loan Amount (20% dn)
$87,217
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 Cool Valley, MO?
The median home value in Cool Valley is $109,021 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.1% year-over-year.
How much have home prices changed in Cool Valley?
Over the past year, home values in Cool Valley have decreased by 2.1%. Over five years, prices have risen approximately 4.2%.
How much do I need to earn to buy a home in Cool Valley?
To comfortably afford the median home price of $109,021 with a 20% down payment ($21,804) at today's rates (6.8%), you'd need a gross annual income of approximately $28,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Cool Valley compare to the national average home price?
The national median home value is approximately $410,000. At $109,021, homes in Cool Valley are 73% below the national average.
What metro area is Cool Valley part of?
Cool Valley is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.