Bonne Terre, Missouri.
Typical home $203,512 (+2.3% in a year). Farmington, MO metro.
to buy the typical home at today's mortgage rate — +$583 (+120%) since Jan 2020.
- 1 year
- Up $4,564 +2%
- $198,948$203,512 since Sep 2025
- 5 years
- Up $38,607 +23%
- $164,905$203,512 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.
- Bonne Terre$1,068
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Bonne Terre, MO rose 2.3% over the past year — faster than the nation's +1.2%.
Living in Bonne Terre, St. Francois County, Missouri
Bonne Terre is a city of 6,903 people in St. Francois County. Half its households earn more than $46,179 a year and half less, against $57,477 across St. Francois County. 60% of its homes are lived in by their owners and 40% 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 people in St. Francois County work in schools and health care, then shops.
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 It can be wrong or out of date.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. Bonne Terre is a small city in St. Francois County. Household incomes here run below the county's, and most homes are lived in by their owners. Winters are cold, with January highs staying well above the teens and lows below freezing, and some snow each year. Summers turn hot, with July the warmest month, and rain and melted snow fall at a fairly steady rate through the year.
Work. Many residents work in schools, hospitals and social care, in shops, in manufacturing and in the building trades. Among the largest workplaces in town are North St. Francois CO. R-I Schools, American Nursing and Rehab, and Harps Food Stores. A four-year degree is held by fewer adults than is typical, and almost no one works from home, so the daily commute is a real part of the working week.
Things to do. Terre Bleue Creek runs in or beside town, a convenient spot for time near the water. A short drive away are St. Francois State Park and St. Joe State Park, both protected areas for walking and being outdoors. Missouri Mines State Historic Site, also a short drive off, offers a look at the area's mining past.
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- 1,907households
- 14%of adults have a degree
- 31 mintypical commute
- 2%work from home
What people in St. Francois County 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 Bonne Terre
- North St. Francois Co. R-I SchoolsSchool district448FTE
- American Nursing and RehabSkilled nursing facilities155
- Harps Food StoresRetail grocery56
- AramarkFood service contractors33
- GWS ContractorsPlumbing and heating contractors26
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 270 people in all. School districts come from the Common Core of Data (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
- Strong windVery high
- Heat wavesVery high
- TornadoesVery high
- Winter weatherRelatively high
- LightningRelatively 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 Bonne Terre’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 St. Francois County and the Farmington, MO metro.
Bonne Terre home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bonne Terre$203,512
- Missouri$265,387
- United States$366,157
Sellers are cutting prices on about 1 in 4 Bonne Terre listings, and the typical home goes pending in 19 days — the market is heating up.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Bonne Terre27.82%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bonne Terre74
New listings per month
Sellers arriving at the market.
- Bonne Terre23
Zip codes with a Bonne Terre address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bonne Terre — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.