Market Overview
Home Prices in Shelbina, MO
The median home value in Shelbina, MO is $176,633 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.4% compared to a year ago and up 5.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Shelbina are priced57% below average.
Over the past five years, Shelbina home values have risen by approximately41.0%, reflecting strong long-term appreciation in this market.
Price History
Shelbina Home Price Trend
2020
$102,990
$103K
—
2021
$125,253
$125K
+21.6%
2022
$140,207
$140K
+11.9%
2023
$146,167
$146K
+4.3%
2024
$154,779
$155K
+5.9%
2025
$162,885
$163K
+5.2%
2026
$176,633
$177K
+8.4%
City Comparison
Shelbina vs. National Median
🏠 Shelbina
$176,633
National Median
$410,000
At $176,633, homes in Shelbina cost 57% below the national median of $410,000. This makes Shelbina a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Shelbina?
20% Down Payment
$35,327
on $176,633
Monthly P&I
$921/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,170/mo
incl. taxes & insurance
Income Needed
$46,800
gross annual (30% rule)
10% Down Option
$17,663
+ PMI applies
Loan Amount (20% dn)
$141,306
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 Shelbina, MO?
The median home value in Shelbina is $176,633 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.4% year-over-year.
How much have home prices changed in Shelbina?
Over the past year, home values in Shelbina have increased by 8.4%. Over five years, prices have risen approximately 41.0%.
How much do I need to earn to buy a home in Shelbina?
To comfortably afford the median home price of $176,633 with a 20% down payment ($35,327) at today's rates (6.8%), you'd need a gross annual income of approximately $46,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Shelbina compare to the national average home price?
The national median home value is approximately $410,000. At $176,633, homes in Shelbina are 57% below the national average.