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Featured local agent — Silver Creek, MO
Sarah Mitchell
Compass Real Estate · Silver Creek, MO
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Silver Creek, MO Housing Market
The last median sale price Redfin published was $179,900, -52.6% year over year (through May 2026). With 2.0 months of supply and homes going under contract in about 15 days, Silver Creek is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $179,900 home is about $960/mo in principal and interest.
Key numbers for Silver Creek, MO
Median sale price
$179,900
-52.6% year over year
Redfin, through May 2026
Days on market
15
Fast-moving
Redfin, through May 2026
Active listings
2
2.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Zillow figures 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 Silver Creek a buyer's or seller's market?
Silver Creek, MO is a seller's market, based on 2.0 months of supply and homes selling in about 15 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 Silver Creek housing market data show?
Every row below is Redfin's final published month for Silver Creek, MO. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $179,900 |
| Year-over-year price change | -52.6% |
| Median price per sq ft | $104/sq ft |
| Median days on market | 15 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Homes sold (that month) | 1 |
| Listings with a price cut | 50.0% |
| 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 Silver Creek is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Silver Creek 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 Silver Creek home prices moved?
Across the 30 months we hold for Silver Creek, MO, the median sale price fell 25.0%, from $239,950 in May 2021 to $179,900. 50.0% of Silver Creek listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay.
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 Silver Creek?
Priced off the median sale price of $179,900 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% | $35,980 | $143,920 | $960/mo |
| 5% | $8,995 | $170,905 | $1,140/mo |
Redfin, through May 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 $960, that implies roughly $41,160 a year before you add taxes and insurance. We do not hold a Census income figure for Silver Creek, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Silver Creek in the next 12 months?
Tell us your timeline. We send the Silver Creek 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 Silver Creek?
Zillow does not publish a rent index (ZORI) for Silver Creek, 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 Silver Creek?
Active listings in Silver Creek, MO went from 2 in February 2023 to 2 in May 2026, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| July 2023 | 1 | not published |
| September 2023 | 1 | not published |
| April 2024 | 1 | 1 |
| May 2025 | 2 | 1 |
| June 2025 | 1 | not published |
| August 2025 | 2 | 1 |
| September 2025 | 1 | 3 |
| October 2025 | 1 | not published |
| December 2025 | 3 | not published |
| January 2026 | 1 | 1 |
| February 2026 | 1 | not published |
| May 2026 | 2 | not published |
Redfin, through May 2026
How does Silver Creek compare to Missouri and the U.S.?
Silver Creek homes sell for $179,900 — 40% below the Missouri median of $297,500. Against the national median of $410,700, Silver Creek runs 56% lower. Year-over-year, Silver Creek moved -52.6% against Missouri's +4.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Silver Creek, MO | $179,900 | -52.6% | 15 days |
| 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 Silver Creek
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 share of listings cutting price, currently 50.0%. 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 $180 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 $179,900 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 Silver Creek listing goes under contract in 15 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Comparable ZIP-level pricing inside Silver Creek varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Silver Creek
There are currently 2 homes listed for sale in Silver Creek, Missouri.
Active listings
2
Homes on market
Avg. days on market
15
Days until sale
How much do homes cost in Silver Creek by property type?
How the Silver Creek, 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 | $179,900 | $104/sq ft | 1 | 15 days |
Which cities are near Silver Creek, MO?
Ordered by distance from Silver Creek, not by size. Compare Silver Creek side by side with any of them.
Silver Creek housing market FAQ
Is Silver Creek a buyer's or seller's market?
Silver Creek, MO is currently a seller's market. That read comes from 2.0 months of supply, homes going under contract in about 15 days in the last month Redfin published (May 2026).
How much do homes cost in Silver Creek?
The median sale price in the last month Redfin published was $179,900, about $104 per square foot.
Is Silver Creek cheaper than the rest of Missouri?
Silver Creek's median sale price of $179,900 is 40% lower than the Missouri statewide median of $297,500, and 56% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Silver Creek?
Homes in Silver Creek, MO spent a median of 15 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 Silver Creek?
At the current 30-year fixed rate of 7.03%, 20% down on a $179,900 home is about $960 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $41,160 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Silver Creek?
Redfin's last published year-over-year change for Silver Creek, MO was -52.6%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Silver Creek?
Silver Creek 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 Silver Creek?
That depends on your timeline, not on a headline. What the data says today: Silver Creek, 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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One email: what homes are actually clearing at around $179,900, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.