Market Overview
Home Prices in Cosby, MO
The median home value in Cosby, MO is $378,870 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.8% compared to a year ago and up 9.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cosby are priced8% below average. Cosby is part of the St. Joseph, MO-KS metro area.
Over the past five years, Cosby home values have risen by approximately44.4%, reflecting strong long-term appreciation in this market.
Price History
Cosby Home Price Trend
2020
$218,905
$219K
—
2021
$262,450
$262K
+19.9%
2022
$291,926
$292K
+11.2%
2023
$315,715
$316K
+8.1%
2024
$336,895
$337K
+6.7%
2025
$368,547
$369K
+9.4%
2026
$378,870
$379K
+2.8%
City Comparison
Cosby vs. National Median
🏠 Cosby
$378,870
National Median
$410,000
At $378,870, homes in Cosby cost 8% below the national median of $410,000. This makes Cosby a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cosby?
20% Down Payment
$75,774
on $378,870
Monthly P&I
$1,976/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,510/mo
incl. taxes & insurance
Income Needed
$100,400
gross annual (30% rule)
10% Down Option
$37,887
+ PMI applies
Loan Amount (20% dn)
$303,096
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 Cosby, MO?
The median home value in Cosby is $378,870 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.8% year-over-year.
How much have home prices changed in Cosby?
Over the past year, home values in Cosby have increased by 2.8%. Over five years, prices have risen approximately 44.4%.
How much do I need to earn to buy a home in Cosby?
To comfortably afford the median home price of $378,870 with a 20% down payment ($75,774) at today's rates (6.8%), you'd need a gross annual income of approximately $100,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Cosby compare to the national average home price?
The national median home value is approximately $410,000. At $378,870, homes in Cosby are 8% below the national average.
What metro area is Cosby part of?
Cosby is part of the St. Joseph, MO-KS metropolitan area. Home prices and market conditions can vary across the broader metro region.