Market Overview
Home Prices in Osborn, MO
The median home value in Osborn, MO is $221,599 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.5% compared to a year ago and up 3.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Osborn are priced46% below average. Osborn is part of the St. Joseph, MO-KS metro area.
Over the past five years, Osborn home values have risen by approximately11.1%, reflecting steady appreciation in this market.
Price History
Osborn Home Price Trend
2020
$176,246
$176K
—
2021
$199,410
$199K
+13.1%
2022
$222,217
$222K
+11.4%
2023
$214,251
$214K
-3.6%
2024
$204,620
$205K
-4.5%
2025
$212,065
$212K
+3.6%
2026
$221,599
$222K
+4.5%
City Comparison
Osborn vs. National Median
🏠 Osborn
$221,599
National Median
$410,000
At $221,599, homes in Osborn cost 46% below the national median of $410,000. This makes Osborn a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Osborn?
20% Down Payment
$44,320
on $221,599
Monthly P&I
$1,156/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,468/mo
incl. taxes & insurance
Income Needed
$58,720
gross annual (30% rule)
10% Down Option
$22,160
+ PMI applies
Loan Amount (20% dn)
$177,279
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 Osborn, MO?
The median home value in Osborn is $221,599 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.5% year-over-year.
How much have home prices changed in Osborn?
Over the past year, home values in Osborn have increased by 4.5%. Over five years, prices have risen approximately 11.1%.
How much do I need to earn to buy a home in Osborn?
To comfortably afford the median home price of $221,599 with a 20% down payment ($44,320) at today's rates (6.8%), you'd need a gross annual income of approximately $58,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Osborn compare to the national average home price?
The national median home value is approximately $410,000. At $221,599, homes in Osborn are 46% below the national average.
What metro area is Osborn part of?
Osborn is part of the St. Joseph, MO-KS metropolitan area. Home prices and market conditions can vary across the broader metro region.