Scotland County, MO housing market

What this means

• Valuation. Prices are roughly in line with local incomes (+10% vs. this area's pre-2020 price-to-income norm).
• Prices. Home values are up 3.5% over the past year (U.S.: +1.2%), but still 6% below their 2022-23 peak.
• Supply. There are 14% more homes for sale than the 2017-19 norm and rising (+83% vs. a year ago), so buyers have more to choose from than before the pandemic.
• Negotiating. Buyer leverage is moderate (43/100; U.S.: 54): homes sell for about 4.3% below their final list price (as of Apr 2026); 17% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 15% of the median household income (U.S.: 35%); it takes about $35k a year to keep the payment at 30% of gross pay. That includes about $1,357 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $123 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. Leaning up: likely −6% to +11% over the next 12 months (73% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −5.7% to +10.7% (80% range; middle estimate +3.8%), chance of a rise 73%, of a 5%+ drop 11%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

ZIP codes in Scotland County, MO