Market Overview
Home Prices in Houston Lake, MO
The median home value in Houston Lake, MO is $249,814 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.5% compared to a year ago and up 4.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Houston Lake are priced39% below average. Houston Lake is part of the Kansas City, MO-KS metro area.
Price History
Houston Lake Home Price Trend
2022
$218,113
$218K
—
2023
$220,837
$221K
+1.2%
2024
$231,914
$232K
+5.0%
2025
$241,402
$241K
+4.1%
2026
$249,814
$250K
+3.5%
City Comparison
Houston Lake vs. National Median
🏠 Houston Lake
$249,814
National Median
$410,000
At $249,814, homes in Houston Lake cost 39% below the national median of $410,000. This makes Houston Lake a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Houston Lake?
20% Down Payment
$49,963
on $249,814
Monthly P&I
$1,303/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,655/mo
incl. taxes & insurance
Income Needed
$66,200
gross annual (30% rule)
10% Down Option
$24,981
+ PMI applies
Loan Amount (20% dn)
$199,851
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 Houston Lake, MO?
The median home value in Houston Lake is $249,814 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.5% year-over-year.
How much have home prices changed in Houston Lake?
Over the past year, home values in Houston Lake have increased by 3.5%.
How much do I need to earn to buy a home in Houston Lake?
To comfortably afford the median home price of $249,814 with a 20% down payment ($49,963) at today's rates (6.8%), you'd need a gross annual income of approximately $66,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Houston Lake compare to the national average home price?
The national median home value is approximately $410,000. At $249,814, homes in Houston Lake are 39% below the national average.
What metro area is Houston Lake part of?
Houston Lake is part of the Kansas City, MO-KS metropolitan area. Home prices and market conditions can vary across the broader metro region.