Bismarck, Missouri.
Typical home $147,958 (-0.1% in a year). Farmington, MO metro.
to buy the typical home at today's mortgage rate — +$475 (+158%) since Jan 2020.
- 1 year
- Down $157 -0%
- $148,115$147,958 since Sep 2025
- 5 years
- Up $31,413 +27%
- $116,545$147,958 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.
- Bismarck$777
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Bismarck, MO fell 0.1% over the past year — slower than the nation's +1.2%.
Living in Bismarck, St. Francois County, Missouri
Bismarck is a city of 1,239 people in St. Francois County. 58% of its homes are lived in by their owners and 42% are rented. Unemployment in St. Francois County was 4.4% in August 2026, and the county had 0.1% fewer jobs in 2025 than the year before. The most residents work in shops, then schools and health care.
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 It can be wrong or out of date.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. Bismarck is a small city in St. Francois County, Missouri, where most homes are lived in by their owners. Winters are cold, with some snow, and summers turn hot. Rain and melted snow fall steadily through the year. Few adults hold a four-year degree, and a fair number of residents live below the poverty line.
Work. Residents work mostly in shops, in schools, hospitals and social care, in restaurants, hotels and entertainment, and in the building trades. Across St. Francois County, the largest workplaces include Farmington R-vii Schools, Parkland Health Center - Farmington and US Tool Group - Farmington. Commutes are longer than many people expect from a small town, and only a few people work from home.
Things to do. St. Joe State Park and Buford Mountain Conservation Area are protected areas a short drive away, good for walking and time outdoors. Elephant Rocks State Park, also a short drive away, is another protected area to visit. Mark Twain National Forest is a longer drive away for those who want a bigger day out.
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- 579households
- 16%of adults have a degree
- 20%below the poverty line
- 31 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Francois County had 23,012 jobs in 2025, 0.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 43° and lows near 23°; warmest in July, with highs near 88° and lows near 67°. About 9 inches of snow and 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Farmington weather station, 12 miles away (NOAA).
Largest workplaces in St. Francois County
- SmmhcPsychiatric hospital774FTE
- US Tool Group - FarmingtonMagnetic forming machines, metalworking, manufacturing717
- Farmington R-vii SchoolsSchool district540FTE
- Parkland Health Center - FarmingtonGeneral hospital521FTE
- North St. Francois Co. R-I SchoolsSchool district448FTE
- WalmartWarehouse clubs and supercenters440
- WalmartWarehouse clubs and supercenters403
- Mineral Area CollegeTwo-year college354
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 45 workplaces with 20 or more staff, 4,906 people in all across the county; Bismarck has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); 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
- Heat wavesRelatively high
- Strong windRelatively high
- Winter weatherRelatively high
- TornadoesRelatively high
- EarthquakesRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bismarck’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 St. Francois County and the Farmington, MO metro.
Bismarck home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bismarck$147,958
- 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.
- Bismarck13
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Bismarck address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bismarck — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.