Sep 2026
$295K
+6.5% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Columbia, MO housing market
Columbia, MO metro median sale price $295K in Sep 2026, up 6.5% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Columbia, MO metro is $295K as of Sep 2026, up 6.5% from a year earlier. That is the 17th-largest year-over-year gain of the 193 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, up 3.3% through Q2 2026, 3.2 points apart; Price reconciliation below shows both.
On median sale price, Columbia ($295K) ranks 3rd of the four Missouri metros Pecan Street tracks, between St. Louis ($305K) and Springfield ($286K). On median days on market, Columbia (51 days) ranks 2nd of the four Missouri metros, between Springfield (52 days) and Kansas City (50 days). Columbia has the lowest share of listings with a price cut of the four Missouri metros (35%); Springfield (39%) is next.
Listings spent a median 51 days on market in Sep 2026, fewer than in most of the 195 metros. 35% of active listings carry a price cut, 2.4 points more than a year earlier. That share is lower than in most of the 195 metros. Building permits authorized 75 new housing units in Aug 2026.
At the 7.38% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,629 a month; at 28% of gross income, that takes about $70K a year. The median sale price equals about 17 years of HUD Fair Market Rent, a ratio up 14.8% from a year earlier. That ratio is higher than in most of the 193 metros. Active listings ask a median $189 per square foot, down 1.0% from a year earlier.
In seven of the nine ZIP codes in the table below, median list prices are higher than a year earlier; two are lower.
Headline
Oct 14, 2026
7.38%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,629/mo
$70K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Columbia compares to other U.S. metros
| Home-price growth | ↑17th of 193 (top 9%) |
|---|---|
| Days on market | ↓131st of 195 |
| Price-to-rent | ↑66th of 193 (top 35%) |
| Price cuts | ↓119th of 195 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 17 +14.8% YoY ↑66th of 193 (top 35%) |
|---|---|
| Asking price / sq ft | $189 -1.0% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 35% +2.4 pts YoY ↓119th of 195 |
|---|---|
| New housing units permitted | 75 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 9 shown of 60 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 3.2ppRedfin (metro) +6.5% | FHFA HPI · Q2 2026 +3.3% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 65010 | $400K↑ | 38↓ | 12↓ | 6↓ | 44↓ | $369K↑ |
| 65201 | $494K↑ | 118↑ | 26↓ | 38↑ | 79↑ | $341K↑ |
| 65202 | $300K↓ | 139↑ | 76↓ | 54↑ | 39↑ | $280K↑ |
| 65203 | $520K↑ | 207↑ | 66↑ | 58↑ | 47↓ | $376K↑ |
| 65233 | $296K↓ | 41↑ | 20↑ | 14↑ | 63↑ | $240K↑ |
| 65240 | $275K↑ | 28↓ | 12↓ | 12↓ | 61↓ | $284K↑ |
| 65251 | $278K↑ | 48↑ | 20↑ | 16↑ | 46↓ | $257K↑ |
| 65265 | $185K↑ | 80↑ | 32↑ | 36↑ | 61↑ | $190K↑ |
| 65270 | $217K↑ | 65↑ | 32↓ | 18↑ | 50↑ | $163K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.