Polo, Missouri.
Typical home $292,124 (+5.0% in a year). Kansas City, MO-KS metro.
to buy the typical home at today's mortgage rate — +$924 (+152%) since Jan 2020.
- 1 year
- Up $13,781 +5%
- $278,343$292,124 since Sep 2025
- 5 years
- Up $76,264 +35%
- $215,859$292,124 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.
- Polo$1,533
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Polo, MO rose 5.0% over the past year — faster than the nation's +1.2%.
Living in Polo, Caldwell County, Missouri
Polo is a city of 509 people in Caldwell County. Half its households earn more than $53,523 a year and half less, against $64,806 across Caldwell County; 12% of its people live below the poverty line. 79% of its homes are lived in by their owners and 21% are rented. Unemployment in Caldwell County was 3.7% in August 2026, and the county had 0.1% fewer jobs in 2025 than the year before. The most people in Caldwell 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 It can be wrong or out of date.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. Polo is a very small city in Caldwell County, Missouri, with a younger population than much of the country. Incomes here run below the county's, and most homes are lived in by their owners. Few adults hold a four-year degree, and winters are cold, with highs only a little above freezing in January and lows well below it, while July brings warm days. Some snow falls each winter, and rain and melted snow add up to a fairly wet year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops and government also employing many. Across Caldwell County, the biggest employers include the Hamilton R-II Schools, the Polo R-vii Schools and Green Hills Communications. Commutes are long, and almost no one works from home, so most people travel to a job elsewhere in the area.
Things to do. Goose Creek and Jim Creek are both streams a short drive away, good for a quiet walk along the water. For a longer outing, Wallace State Park is a protected area a longer drive off, and Watkins Woolen Mill State Park and State Historic Site, also a longer drive away, is another protected area to spend a day in.
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- 203households
- 15%of adults have a degree
- 12%below the poverty line
- 35 mintypical commute
- 1%work from home
What people in Caldwell County work in
Employed residents by industry, from the Census survey. Caldwell County had 1,885 jobs in 2025, 0.1% fewer 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 66°. About 8 inches of snow and 40 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Hamilton 2W weather station, 13 miles away (NOAA).
Largest workplaces in Caldwell County
- Hamilton R-II SchoolsSchool district93FTE
- Polo R-vii SchoolsSchool district73FTE
- Braymer C-4 SchoolsSchool district47FTE
- Green Hills CommunicationsLocal telephone carriers, wired32
- Commercial Metals CompanyBars, concrete reinforcing, manufacturing28
- Consumer Oil and Supply CoPlanting machinery and equipment, farm-type, merchant wholesalers28
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 88 people in all across the county; Polo 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
- Cold wavesRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- Winter weatherRelatively high
- DroughtRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Polo’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 Caldwell County and the Kansas City, MO-KS metro.
Polo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Polo$292,124
- 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.
Not enough data to draw this yet.
Zip codes with a Polo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Polo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.