Market Overview
Home Prices in Osceola, MO
The median home value in Osceola, MO is $117,888 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.3% compared to a year ago and up 1.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Osceola are priced71% below average.
Price History
Osceola Home Price Trend
2024
$114,736
$115K
—
2025
$116,346
$116K
+1.4%
2026
$117,888
$118K
+1.3%
City Comparison
Osceola vs. National Median
🏠 Osceola
$117,888
National Median
$410,000
At $117,888, homes in Osceola cost 71% below the national median of $410,000. This makes Osceola a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Osceola?
20% Down Payment
$23,578
on $117,888
Monthly P&I
$615/mo
30-yr @ 6.8%
Total Monthly Est.
~$781/mo
incl. taxes & insurance
Income Needed
$31,240
gross annual (30% rule)
10% Down Option
$11,789
+ PMI applies
Loan Amount (20% dn)
$94,310
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 Osceola, MO?
The median home value in Osceola is $117,888 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.3% year-over-year.
How much have home prices changed in Osceola?
Over the past year, home values in Osceola have increased by 1.3%.
How much do I need to earn to buy a home in Osceola?
To comfortably afford the median home price of $117,888 with a 20% down payment ($23,578) at today's rates (6.8%), you'd need a gross annual income of approximately $31,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Osceola compare to the national average home price?
The national median home value is approximately $410,000. At $117,888, homes in Osceola are 71% below the national average.