Market Overview
Home Prices in Wardsville, MO
The median home value in Wardsville, MO is $366,172 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.4% compared to a year ago and up 2.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Wardsville are priced11% below average. Wardsville is part of the Jefferson City, MO metro area.
Over the past five years, Wardsville home values have risen by approximately37.2%, reflecting strong long-term appreciation in this market.
Price History
Wardsville Home Price Trend
City Comparison
Wardsville vs. National Median
At $366,172, homes in Wardsville cost 11% below the national median of $410,000. This makes Wardsville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Wardsville?
20% Down Payment
$73,234
on $366,172
Monthly P&I
$1,910/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,426/mo
incl. taxes & insurance
Income Needed
$97,040
gross annual (30% rule)
10% Down Option
$36,617
+ PMI applies
Loan Amount (20% dn)
$292,938
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 Wardsville, MO?
The median home value in Wardsville is $366,172 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.4% year-over-year.
How much have home prices changed in Wardsville?
Over the past year, home values in Wardsville have increased by 6.4%. Over five years, prices have risen approximately 37.2%.
How much do I need to earn to buy a home in Wardsville?
To comfortably afford the median home price of $366,172 with a 20% down payment ($73,234) at today's rates (6.8%), you'd need a gross annual income of approximately $97,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Wardsville compare to the national average home price?
The national median home value is approximately $410,000. At $366,172, homes in Wardsville are 11% below the national average.
What metro area is Wardsville part of?
Wardsville is part of the Jefferson City, MO metropolitan area. Home prices and market conditions can vary across the broader metro region.