Cosby, Missouri.
Typical home $346,872 (+2.8% in a year). St. Joseph, MO-KS metro.
to buy the typical home at today's mortgage rate — +$1,129 (+163%) since Jan 2020.
- 1 year
- Up $9,436 +3%
- $337,436$346,872 since Sep 2025
- 5 years
- Up $104,470 +43%
- $242,402$346,872 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.
- Cosby$1,821
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in Cosby, MO rose 2.8% over the past year — faster than the nation's +1.2%.
Living in Cosby, Andrew County, Missouri
Cosby is a village of 114 people in Andrew County. Unemployment in Andrew County was 3.4% in August 2026, and the county had 1.4% more jobs in 2025 than the year before. The most people in Andrew County work in schools and health care, then manufacturing.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Cosby is a small village in Andrew County in northwest Missouri, where neighbors tend to know one another. Winters are colder than in much of the country, with the coldest weather in January, and summers are warm, peaking in July. Rain and melted snow fall fairly steadily through the year, so the seasons are easy to feel.
Work. Many residents work in schools, hospitals and social care, or in manufacturing, retail shops and the building trades. Across Andrew County, more jobs were added over the past year and unemployment has eased compared with a year earlier. That gives the area a steady base of local employers.
Things to do. Glore Psychiatric Museum is a museum a short drive away, and Crooked Creek is a river a short drive away. For a longer outing, the Missouri Theatre is a theatre a longer drive away.
Report a mistake
- 3%below the poverty line
What people in Andrew County work in
Employed residents by industry, from the Census survey. Andrew County had 2,850 jobs in 2025, 1.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 35° and lows near 16°; warmest in July, with highs near 87° and lows near 67°. About 37 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cosby 2W weather station, 2 miles away (NOAA).
Largest workplaces in Andrew County
- Savannah R-iii SchoolsSchool district231FTE
- HGI St JoCasinos187
- VerticalNursing homes136
- Laverna Manor Health and RehabilitationSkilled nursing facilities89
- North Andrew Co. R-VI SchoolsSchool district52FTE
- Summit School ServicesSchool and employee bus transportation46
- United Electric Cooperative-SavannahDistribution of electric power41
- United Electric CooperativeInternet service providers, using own operated wired telecommunications infrastructure33
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 601 people in all across the county; Cosby has none of its own. 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
- TornadoesVery high
- Strong windRelatively high
- HailRelatively high
- Cold wavesRelatively high
- Heat wavesRelatively high
- Winter weatherRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cosby’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 Andrew County and the St. Joseph, MO-KS metro.
Cosby home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cosby$346,872
- 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.
Zip codes with a Cosby address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cosby — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.