Market Overview
Home Prices in Osage Beach, MO
The median home value in Osage Beach, MO is $334,215 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 6.3% compared to a year ago and down 0.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Osage Beach are priced18% below average.
Over the past five years, Osage Beach home values have risen by approximately3.6%, reflecting modest growth in this market.
Price History
Osage Beach Home Price Trend
2020
$249,080
$249K
—
2021
$322,667
$323K
+29.5%
2022
$368,978
$369K
+14.4%
2023
$348,564
$349K
-5.5%
2024
$358,083
$358K
+2.7%
2025
$356,833
$357K
-0.3%
2026
$334,215
$334K
-6.3%
City Comparison
Osage Beach vs. National Median
🏠 Osage Beach
$334,215
National Median
$410,000
At $334,215, homes in Osage Beach cost 18% below the national median of $410,000. This makes Osage Beach a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Osage Beach?
20% Down Payment
$66,843
on $334,215
Monthly P&I
$1,743/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,214/mo
incl. taxes & insurance
Income Needed
$88,560
gross annual (30% rule)
10% Down Option
$33,422
+ PMI applies
Loan Amount (20% dn)
$267,372
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 Osage Beach, MO?
The median home value in Osage Beach is $334,215 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 6.3% year-over-year.
How much have home prices changed in Osage Beach?
Over the past year, home values in Osage Beach have decreased by 6.3%. Over five years, prices have risen approximately 3.6%.
How much do I need to earn to buy a home in Osage Beach?
To comfortably afford the median home price of $334,215 with a 20% down payment ($66,843) at today's rates (6.8%), you'd need a gross annual income of approximately $88,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Osage Beach compare to the national average home price?
The national median home value is approximately $410,000. At $334,215, homes in Osage Beach are 18% below the national average.