Elsberry, Missouri.
Typical home $217,892 (+8.0% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$620 (+118%) since Jan 2020.
- 1 year
- Up $16,127 +8%
- $201,765$217,892 since Sep 2025
- 5 years
- Up $42,884 +25%
- $175,008$217,892 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.
- Elsberry$1,144
- 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 Elsberry, MO rose 8.0% over the past year — faster than the nation's +1.2%.
Living in Elsberry, Lincoln County, Missouri
Elsberry is a city of 1,937 people in Lincoln County. Half its households earn more than $49,760 a year and half less, against $89,278 across Lincoln County; 25% of its people live below the poverty line. 53% of its homes are lived in by their owners and 47% are rented. Unemployment in Lincoln County was 3.7% in August 2026, and the county had 1.4% 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 It can be wrong or out of date.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. Elsberry is a small city in Lincoln County, Missouri, where the population is young for the country and incomes run well below the county's as a whole. A somewhat higher share of residents live below the poverty line than is typical, and a little more than the usual share of homes are lived in by their owners than rented. Few adults hold a four-year degree. Winters are cold, with January highs near freezing and lows well below it, while July is warm and summers turn hot. The year brings a moderate amount of snow and plenty of rain.
Work. Residents work mainly in schools, hospitals and social care, in the building trades, in shops and in manufacturing. Across Lincoln County, some of the largest workplaces are Toyota Motor Manufacturing Missouri, Troy R-III Schools and Daddy Ray's. The county's unemployment has stayed low and close to where it stood a year earlier, and the number of jobs in the county grew a little last year. The typical commute is long, and very few people work from home.
Things to do. The Clarence Cannon National Wildlife Refuge, a protected area, is a short drive away, as is Bryants Creek, a small waterway. Cuivre River State Park, a protected area, lies a longer drive away and is the largest of the nearby natural areas. Together these give a reason to get outdoors without going far.
Report a mistake
- 695households
- 15%of adults have a degree
- 25%below the poverty line
- 34 mintypical commute
- 3%work from home
What residents work in
Employed residents by industry, from the Census survey. Lincoln County had 12,977 jobs in 2025, 1.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 20°; warmest in July, with highs near 87° and lows near 66°. About 16 inches of snow and 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Elsberry South weather station, under a mile away (NOAA).
Largest workplaces in Lincoln County
- Toyota Motor Manufacturing MissouriAluminum casting1,082
- Troy R-iii SchoolsSchool district838FTE
- Daddy Ray'sBakery products, dry, manufacturing380
- WalmartWarehouse clubs and supercenters367
- Witte Bros. ExchangeTrucking, specialized freight, long-distance356
- Winfield R-IV SchoolsSchool district227FTE
- Coastal Carriers Truck LinesTrucking, specialized freight, long-distance224
- Mercy Hospital LincolnCritical access hospital191FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 24 workplaces with 20 or more staff, 3,881 people in all across the county; Elsberry has one 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
- Heat wavesRelatively high
- Strong windRelatively high
- Inland floodingRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Elsberry’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 Lincoln County and the St. Louis, MO-IL metro.
Elsberry home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Elsberry$217,892
- Missouri$265,387
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
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.
- Elsberry16
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Elsberry address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Elsberry — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.