Market Overview
Home Prices in El Dorado Springs, MO
The median home value in El Dorado Springs, MO is $184,806 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.1% compared to a year ago and up 5.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in El Dorado Springs are priced55% below average.
Over the past five years, El Dorado Springs home values have risen by approximately54.4%, reflecting strong long-term appreciation in this market.
Price History
El Dorado Springs Home Price Trend
City Comparison
El Dorado Springs vs. National Median
At $184,806, homes in El Dorado Springs cost 55% below the national median of $410,000. This makes El Dorado Springs a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in El Dorado Springs?
20% Down Payment
$36,961
on $184,806
Monthly P&I
$964/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,224/mo
incl. taxes & insurance
Income Needed
$48,960
gross annual (30% rule)
10% Down Option
$18,481
+ PMI applies
Loan Amount (20% dn)
$147,845
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 El Dorado Springs, MO?
The median home value in El Dorado Springs is $184,806 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.1% year-over-year.
How much have home prices changed in El Dorado Springs?
Over the past year, home values in El Dorado Springs have increased by 4.1%. Over five years, prices have risen approximately 54.4%.
How much do I need to earn to buy a home in El Dorado Springs?
To comfortably afford the median home price of $184,806 with a 20% down payment ($36,961) at today's rates (6.8%), you'd need a gross annual income of approximately $48,960. This assumes keeping total housing costs at or below 30% of gross income.
How does El Dorado Springs compare to the national average home price?
The national median home value is approximately $410,000. At $184,806, homes in El Dorado Springs are 55% below the national average.