Market Overview
Home Prices in Rock Hill, MO
The median home value in Rock Hill, MO is $311,228 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1% compared to a year ago and up 3.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Rock Hill are priced24% below average. Rock Hill is part of the St. Louis, MO-IL metro area.
Over the past five years, Rock Hill home values have risen by approximately22.3%, reflecting strong long-term appreciation in this market.
Price History
Rock Hill Home Price Trend
City Comparison
Rock Hill vs. National Median
At $311,228, homes in Rock Hill cost 24% below the national median of $410,000. This makes Rock Hill a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Rock Hill?
20% Down Payment
$62,246
on $311,228
Monthly P&I
$1,623/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,061/mo
incl. taxes & insurance
Income Needed
$82,440
gross annual (30% rule)
10% Down Option
$31,123
+ PMI applies
Loan Amount (20% dn)
$248,982
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 Rock Hill, MO?
The median home value in Rock Hill is $311,228 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1% year-over-year.
How much have home prices changed in Rock Hill?
Over the past year, home values in Rock Hill have increased by 1%. Over five years, prices have risen approximately 22.3%.
How much do I need to earn to buy a home in Rock Hill?
To comfortably afford the median home price of $311,228 with a 20% down payment ($62,246) at today's rates (6.8%), you'd need a gross annual income of approximately $82,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Rock Hill compare to the national average home price?
The national median home value is approximately $410,000. At $311,228, homes in Rock Hill are 24% below the national average.
What metro area is Rock Hill part of?
Rock Hill is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.