Market Overview
Home Prices in Mineral Point, MO
The median home value in Mineral Point, MO is $199,111 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.6% compared to a year ago and up 4.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mineral Point are priced51% below average.
Over the past five years, Mineral Point home values have risen by approximately19.0%, reflecting steady appreciation in this market.
Price History
Mineral Point Home Price Trend
2021
$167,299
$167K
—
2022
$185,191
$185K
+10.7%
2023
$174,111
$174K
-6.0%
2024
$178,434
$178K
+2.5%
2025
$186,737
$187K
+4.7%
2026
$199,111
$199K
+6.6%
City Comparison
Mineral Point vs. National Median
🏠 Mineral Point
$199,111
National Median
$410,000
At $199,111, homes in Mineral Point cost 51% below the national median of $410,000. This makes Mineral Point a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Mineral Point?
20% Down Payment
$39,822
on $199,111
Monthly P&I
$1,038/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,318/mo
incl. taxes & insurance
Income Needed
$52,720
gross annual (30% rule)
10% Down Option
$19,911
+ PMI applies
Loan Amount (20% dn)
$159,289
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 Mineral Point, MO?
The median home value in Mineral Point is $199,111 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.6% year-over-year.
How much have home prices changed in Mineral Point?
Over the past year, home values in Mineral Point have increased by 6.6%. Over five years, prices have risen approximately 19.0%.
How much do I need to earn to buy a home in Mineral Point?
To comfortably afford the median home price of $199,111 with a 20% down payment ($39,822) at today's rates (6.8%), you'd need a gross annual income of approximately $52,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Mineral Point compare to the national average home price?
The national median home value is approximately $410,000. At $199,111, homes in Mineral Point are 51% below the national average.