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Featured local agent — Houston Lake, MO
Sarah Mitchell
Compass Real Estate · Houston Lake, MO
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Houston Lake, MO Housing Market
The typical home in Houston Lake, MO is worth $242,594, held roughly flat 0.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $270,000, +29.2% year over year (through May 2026). With 2.0 months of supply and homes going under contract in about 2 days, Houston Lake is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $242,594 home is about $1,295/mo in principal and interest.
Key numbers for Houston Lake, MO
Typical home value
$242,594
-0.1% in 12 months
Zillow, August 2026
Median sale price
$270,000
+29.2% year over year
Redfin, through March 2026
Days on market
2
Fast-moving
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$81,250
Home costs 3.0x 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 Houston Lake a buyer's or seller's market?
Houston Lake, MO is a seller's market, based on 2.0 months of supply and homes selling in about 2 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Houston Lake housing market data show?
Every row below is Redfin's final published month for Houston Lake, MO. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $270,000 |
| Median list price | $189,900 |
| Year-over-year price change | +29.2% |
| Median price per sq ft | $189/sq ft |
| Median days on market | 2 days |
| Months of supply | 2.0 months |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Market condition | Seller's market |
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 Houston Lake is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Houston Lake 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 Houston Lake home prices moved?
Across the 22 months we hold for Houston Lake, MO, the median sale price fell 11.5%, from $305,000 in April 2021 to $270,000. The live Zillow value series has held roughly flat 0.1% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Houston Lake?
Priced off the typical home value of $242,594 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% | $48,519 | $194,075 | $1,295/mo |
| 5% | $12,130 | $230,465 | $1,538/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 $1,295, that implies roughly $55,504 a year before you add taxes and insurance. The median household in Houston Lake earns $81,250, about $25,746 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.0x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Houston Lake in the next 12 months?
Tell us your timeline. We send the Houston Lake 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 Houston Lake?
Zillow does not publish a rent index (ZORI) for Houston Lake, 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 Houston Lake?
We hold fewer than two months of inventory readings for Houston Lake, MO, so there is no trend to report yet.
How does Houston Lake compare to Missouri and the U.S.?
Houston Lake homes sell for $270,000 — 9% below the Missouri median of $297,500. Against the national median of $410,700, Houston Lake runs 34% lower. Year-over-year, Houston Lake moved +29.2% against Missouri's +4.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Houston Lake, MO | $270,000 | +29.2% | 2 days |
| Missouri statewide | $297,500 | +4.6% | 27 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through March 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Houston Lake
What buyers should watch
- Months of supply, currently 2.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $243 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 $242,594 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
- The median Houston Lake listing goes under contract in 2 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- In the last published month Houston Lake added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved -0.1% 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 Houston Lake varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Houston Lake
Explore homes currently listed for sale in Houston Lake, Missouri across major real estate platforms.
How much do homes cost in Houston Lake by property type?
How the Houston Lake, MO market breaks down across single-family homes, condos and townhouses. Redfin, through March 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $270,000 | $189/sq ft | 1 | 2 days |
Who lives in Houston Lake?
American Community Survey estimates for Houston Lake. U.S. Census ACS, 2023
Population
330
Households
142
Median income
$81,250/yr
Median age
44.7 years
Owner-occupied
71.1%
Median home value
$245,800
Median gross rent
$1,610/mo
Mean commute
18.6 min
71.1% of occupied homes in Houston Lake 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 $245,800 against Zillow's $242,594 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Houston Lake, MO?
Ordered by distance from Houston Lake, not by size. Compare Houston Lake side by side with any of them.
Houston Lake housing market FAQ
Is Houston Lake a buyer's or seller's market?
Houston Lake, MO is currently a seller's market. That read comes from 2.0 months of supply, homes going under contract in about 2 days in the last month Redfin published (May 2026).
How much do homes cost in Houston Lake?
The typical home in Houston Lake, MO is worth $242,594 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $270,000, about $189 per square foot.
Is Houston Lake cheaper than the rest of Missouri?
Houston Lake's median sale price of $270,000 is 9% lower than the Missouri statewide median of $297,500, and 34% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Houston Lake?
Homes in Houston Lake, MO spent a median of 2 days on market before going under contract, versus 27 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Houston Lake?
At the current 30-year fixed rate of 7.03%, 20% down on a $242,594 home is about $1,295 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $55,504 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $81,250.
Are home prices rising in Houston Lake?
The typical home value in Houston Lake, MO held roughly flat 0.1% over the last 12 months, from $242,872 to $242,594 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Houston Lake?
Houston Lake 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 Houston Lake?
That depends on your timeline, not on a headline. What the data says today: Houston Lake, MO is a seller's market with 2.0 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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