Golden, MO 65658 housing market

What this means

• Valuation. Prices are 35% above what local incomes have historically supported (this area's pre-2020 price-to-income ratio).
• Prices. Home values are up 3.3% over the past year (U.S.: +1.2%).
• Supply. Listings are 22% below the 2017-19 norm and rising (+20% vs. a year ago), still somewhat tight.
• Negotiating. Buyer leverage is high (98/100; U.S.: 54): homes sell for about 5.7% below their final list price (as of Nov 2025); 21% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 43% of the median household income (U.S.: 35%); it takes about $74k a year to keep the payment at 30% of gross pay. That includes about $1,766 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $259 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding. Flood isn't covered by standard homeowners insurance.
• Outlook. Leaning up: likely −6% to +10% over the next 12 months (71% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −5.9% to +10.4% (80% range; middle estimate +3.3%), chance of a rise 71%, of a 5%+ drop 12%.

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.

Other ZIP codes in Barry County, MO