Market Overview
Home Prices in La Plata, MO
The median home value in La Plata, MO is $121,317 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.1% compared to a year ago and down 3.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in La Plata are priced70% below average.
Price History
La Plata Home Price Trend
2024
$119,566
$120K
—
2025
$115,437
$115K
-3.5%
2026
$121,317
$121K
+5.1%
City Comparison
La Plata vs. National Median
🏠 La Plata
$121,317
National Median
$410,000
At $121,317, homes in La Plata cost 70% below the national median of $410,000. This makes La Plata a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in La Plata?
20% Down Payment
$24,263
on $121,317
Monthly P&I
$633/mo
30-yr @ 6.8%
Total Monthly Est.
~$804/mo
incl. taxes & insurance
Income Needed
$32,160
gross annual (30% rule)
10% Down Option
$12,132
+ PMI applies
Loan Amount (20% dn)
$97,054
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 La Plata, MO?
The median home value in La Plata is $121,317 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.1% year-over-year.
How much have home prices changed in La Plata?
Over the past year, home values in La Plata have increased by 5.1%.
How much do I need to earn to buy a home in La Plata?
To comfortably afford the median home price of $121,317 with a 20% down payment ($24,263) at today's rates (6.8%), you'd need a gross annual income of approximately $32,160. This assumes keeping total housing costs at or below 30% of gross income.
How does La Plata compare to the national average home price?
The national median home value is approximately $410,000. At $121,317, homes in La Plata are 70% below the national average.