Gainesville, Missouri.
Typical home $205,520 (+5.2% in a year).
to buy the typical home at today's mortgage rate — +$625 (+138%) since Jan 2020.
- 1 year
- Up $10,135 +5%
- $195,385$205,520 since Sep 2025
- 5 years
- Up $52,307 +34%
- $153,213$205,520 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.
- Gainesville$1,079
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Gainesville, MO rose 5.2% over the past year — faster than the nation's +1.2%.
Living in Gainesville, Ozark County, Missouri
Gainesville is a city of 745 people in Ozark County. Half its households earn more than $32,391 a year and half less, against $44,163 across Ozark County. Unemployment in Ozark County was 5.3% in August 2026, and the county had 0.5% more jobs in 2025 than the year before. The most people in Ozark County work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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. Gainesville is a very small Missouri city and the seat of Ozark County, where most people know one another by sight if not by name. Household incomes here run below the county's, and homes are valued well above what those incomes might suggest. Winters are cold, with snow falling on only a few days, and summers turn hot, with steady rain and melted snow through the year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops and the building trades also employing many. Across Ozark County, the biggest workplaces include Gainesville R-V Schools, Bakersfield R-IV Schools and Rainbow Trout and Game Ranch. Fewer adults here hold a four-year degree than in many parts of the country, and the number of jobs across the county has edged up slightly over the past year.
Things to do. Water is the main draw. Bryant Creek, a river, is a short drive away, and Bull Shoals Lake, a large reservoir, is a longer drive. Bull Shoals Caverns, a tourist attraction, is also a longer drive from town.
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- 394households
- 16%of adults have a degree
- 8%work from home
What people in Ozark County work in
Employed residents by industry, from the Census survey. Ozark County had 1,519 jobs in 2025, 0.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 45° and lows near 25°; warmest in July, with highs near 88° and lows near 67°. About 6 inches of snow and 47 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Dora 3SE weather station, 15 miles away (NOAA).
Largest workplaces in Ozark County
- Gainesville R-V SchoolsSchool district171FTE
- Bakersfield R-IV SchoolsSchool district71FTE
- Rainbow Trout and Game RanchResort hotels without casinos70
- Gainesville Health Care CenterSkilled nursing facilities58
- Lutie R-VI SchoolsSchool district48FTE
- Dora R-iii SchoolsSchool district43FTE
- American Pacific/Applicators, wood, manufacturing28
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 156 people in all across the county; Gainesville has one 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
- Ice stormsVery high
- Heat wavesVery high
- Strong windVery high
- TornadoesRelatively high
- LightningRelatively 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 Gainesville’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 Ozark County.
Gainesville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Gainesville$205,520
- 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.
Sellers are cutting prices on about 1 in 5 Gainesville listings — the market is roughly in balance.
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.
- Gainesville18.23%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Gainesville28
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Gainesville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Gainesville — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.