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Featured local agent — Dearborn, MO
Sarah Mitchell
Compass Real Estate · Dearborn, MO
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Dearborn, MO Housing Market
The typical home in Dearborn, MO is worth $327,445, rose 3.6% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $255,000, -36.3% year over year (through May 2026). With 6.0 months of supply, Dearborn is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $327,445 home is about $1,748/mo in principal and interest.
Key numbers for Dearborn, MO
Typical home value
$327,445
+3.6% in 12 months
Zillow, August 2026
Median sale price
$255,000
-36.3% year over year
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$48,333
Home costs 6.8x income
U.S. Census ACS, 2023
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Dearborn a buyer's or seller's market?
Dearborn, MO is a leaning buyer's, based on 6.0 months of supply. Above 5 months of supply, homes start accumulating faster than they clear, which is where buyers gain leverage on price, repairs, and closing costs.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Dearborn housing market data show?
Every row below is Redfin's final published month for Dearborn, MO. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $255,000 |
| Median list price | $255,000 |
| Year-over-year price change | -36.3% |
| Median price per sq ft | $182/sq ft |
| Months of supply | 6.0 months |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Listings with a price cut | 16.7% |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Dearborn is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Dearborn is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Dearborn home prices moved?
Over the last three years the median sale price in Dearborn, MO rose 36.7%, from $186,500 to $255,000. The live Zillow value series has rose 3.6% in the last 12 months, which is the more current read now that Redfin's series has stopped. 16.7% of Dearborn listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Dearborn?
Priced off the typical home value of $327,445 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $65,489 | $261,956 | $1,748/mo |
| 5% | $16,372 | $311,073 | $2,076/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,748, that implies roughly $74,918 a year before you add taxes and insurance. The median household in Dearborn earns $48,333, about $26,585 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 6.8x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Dearborn in the next 12 months?
Tell us your timeline. We send the Dearborn market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Dearborn?
Zillow does not publish a rent index (ZORI) for Dearborn, MO, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Dearborn?
We hold fewer than two months of inventory readings for Dearborn, MO, so there is no trend to report yet.
How does Dearborn compare to Missouri and the U.S.?
Dearborn homes sell for $255,000 — 14% below the Missouri median of $297,500. Against the national median of $410,700, Dearborn runs 38% lower. Year-over-year, Dearborn moved -36.3% against Missouri's +4.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Dearborn, MO | $255,000 | -36.3% | not published |
| Missouri statewide | $297,500 | +4.6% | 27 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Dearborn
What buyers should watch
- Months of supply, currently 6.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 16.7%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $328 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $327,445 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- In the last published month Dearborn added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +3.6% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Dearborn varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Dearborn
Explore homes currently listed for sale in Dearborn, Missouri across major real estate platforms.
How much do homes cost in Dearborn by property type?
How the Dearborn, MO market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $255,000 | $182/sq ft | 1 | not published |
| Townhouse | $168,000 | $169/sq ft | 1 | 6 days |
Who lives in Dearborn?
American Community Survey estimates for Dearborn. U.S. Census ACS, 2023
Population
545
Households
220
Median income
$48,333/yr
Median age
39.1 years
Owner-occupied
74.5%
Median home value
$175,000
Median gross rent
$510/mo
Mean commute
35.9 min
74.5% of occupied homes in Dearborn are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $175,000 against Zillow's $327,445 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Dearborn?
3 schools tracked · 337 students
The largest public schools serving Dearborn, MO by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
NORTH PLATTE HIGH
Grades 9-12 · 199 students
NORTH PLATTE JR. HIGH
Grades 6-8 · 138 students
PLATTE VALLEY COOP.
Grades K-12
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Dearborn, MO?
Ordered by distance from Dearborn, not by size. Compare Dearborn side by side with any of them.
Dearborn housing market FAQ
Is Dearborn a buyer's or seller's market?
Dearborn, MO is currently a leaning buyer's. That read comes from 6.0 months of supply in the last month Redfin published (May 2026).
How much do homes cost in Dearborn?
The typical home in Dearborn, MO is worth $327,445 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $255,000, about $182 per square foot.
Is Dearborn cheaper than the rest of Missouri?
Dearborn's median sale price of $255,000 is 14% lower than the Missouri statewide median of $297,500, and 38% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Dearborn?
We do not hold a days-on-market figure for Dearborn, MO. Redfin stopped publishing its public market tracker in June 2026, so this metric is frozen wherever it exists and missing where it never landed.
What income do you need to buy a home in Dearborn?
At the current 30-year fixed rate of 7.03%, 20% down on a $327,445 home is about $1,748 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $74,918 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $48,333.
Are home prices rising in Dearborn?
The typical home value in Dearborn, MO rose 3.6% over the last 12 months, from $316,140 to $327,445 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Dearborn?
Dearborn ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Dearborn?
That depends on your timeline, not on a headline. What the data says today: Dearborn, MO is a leaning buyer's with 6.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $327,445, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.