Market Overview
Home Prices in Saint Thomas, MO
The median home value in Saint Thomas, MO is $384,836 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 12.2% 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 Saint Thomas are priced6% below average. Saint Thomas is part of the Jefferson City, MO metro area.
Over the past five years, Saint Thomas home values have risen by approximately45.2%, reflecting strong long-term appreciation in this market.
Price History
Saint Thomas Home Price Trend
City Comparison
Saint Thomas vs. National Median
At $384,836, homes in Saint Thomas cost 6% below the national median of $410,000. This makes Saint Thomas a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saint Thomas?
20% Down Payment
$76,967
on $384,836
Monthly P&I
$2,007/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,549/mo
incl. taxes & insurance
Income Needed
$101,960
gross annual (30% rule)
10% Down Option
$38,484
+ PMI applies
Loan Amount (20% dn)
$307,869
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 Saint Thomas, MO?
The median home value in Saint Thomas is $384,836 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 12.2% year-over-year.
How much have home prices changed in Saint Thomas?
Over the past year, home values in Saint Thomas have increased by 12.2%. Over five years, prices have risen approximately 45.2%.
How much do I need to earn to buy a home in Saint Thomas?
To comfortably afford the median home price of $384,836 with a 20% down payment ($76,967) at today's rates (6.8%), you'd need a gross annual income of approximately $101,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint Thomas compare to the national average home price?
The national median home value is approximately $410,000. At $384,836, homes in Saint Thomas are 6% below the national average.
What metro area is Saint Thomas part of?
Saint Thomas is part of the Jefferson City, MO metropolitan area. Home prices and market conditions can vary across the broader metro region.