Bernie, Missouri.
Typical home $117,855 (+7.1% in a year). Kennett, MO metro.
to buy the typical home at today's mortgage rate — +$315 (+104%) since Jan 2020.
- 1 year
- Up $7,780 +7%
- $110,074$117,855 since Sep 2025
- 5 years
- Up $17,140 +17%
- $100,715$117,855 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Bernie$619
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Bernie, MO rose 7.1% over the past year — faster than the nation's +1.2%.
Living in Bernie, Stoddard County, Missouri
Bernie is a city of 1,859 people in Stoddard County. Half its households earn more than $48,438 a year and half less, against $57,957 across Stoddard County; 24% of its people live below the poverty line. 73% of its homes are lived in by their owners and 27% are rented. Unemployment in Stoddard County was 4.4% in August 2026, and the county had 1.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then construction.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Bernie is a small city in Stoddard County, in the southeast corner of Missouri. Its residents are older than the typical American's, and most homes are lived in by their owners. Incomes run below the county's, and more people live below the poverty line than most would expect, though homes here are priced modestly.
Work. Many residents work in schools, hospitals and social care, with others in the building trades, in shops and in manufacturing. Across Stoddard County, some of the largest workplaces are W.W. Wood Products, which makes kitchen cabinets, Walmart, and the Dexter R-XI Schools. Commutes are fairly short, and almost no one works from home.
Things to do. Morris State Park, a protected area, is a short drive away. Farther out, Lake Wappapello is a reservoir, and Mingo National Wildlife Refuge is a protected area, both a longer drive away. Winters are cold, summers are hot, and the year brings a fair amount of rain and melted snow.
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- 662households
- 15%of adults have a degree
- 24%below the poverty line
- 21 mintypical commute
- 1%work from home
What residents work in
Employed residents by industry, from the Census survey. Stoddard County had 10,107 jobs in 2025, 1.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 46° and lows near 27°; warmest in July, with highs near 92° and lows near 71°. About 49 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Malden Municipal Airport weather station, 5 miles away (NOAA).
Largest workplaces in Stoddard County
- W.W. Wood ProductsKitchen cabinets, stock or custom wood, manufacturing1,442
- WalmartWarehouse clubs and supercenters285
- Dexter R-XI SchoolsSchool district281FTE
- Southeasthealth Center of Stoddard CGeneral hospital173FTE
- Rick Shipman ConstructionCommercial building construction general contractors165
- ForviaExhaust and tail pipes, automotive, truck, and bus, manufacturing102
- Prairie View Skilled NursingSkilled nursing facilities94
- Puxico R-viii SchoolsSchool district89FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 20 workplaces with 20 or more staff, 2,930 people in all across the county; Bernie has two of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- EarthquakesVery high
- Strong windRelatively high
- Ice stormsRelatively high
- Heat wavesRelatively high
- Winter weatherRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bernie’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Stoddard County and the Kennett, MO metro.
Bernie home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bernie$117,855
- Missouri$265,387
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bernie13
Zip codes with a Bernie address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bernie — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.