Stover, Missouri.
Typical home $214,842 (+3.0% in a year).
to buy the typical home at today's mortgage rate — +$568 (+101%) since Jan 2020.
- 1 year
- Up $6,257 +3%
- $208,585$214,842 since Sep 2025
- 5 years
- Up $16,329 +8%
- $198,512$214,842 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.
- Stover$1,128
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 44 years.
Typical home values in Stover, MO rose 3.0% over the past year — faster than the nation's +1.2%.
Living in Stover, Morgan County, Missouri
Stover is a city of 1,006 people in Morgan County. Half its households earn more than $48,438 a year and half less, against $53,412 across Morgan County; 16% of its people live below the poverty line. Unemployment in Morgan County was 4.5% in August 2026, and the county had 3.1% fewer jobs in 2025 than the year before. The most people in Morgan County 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 It can be wrong or out of date.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. Stover is a small city in Morgan County, Missouri, with a population that makes it a place where neighbors tend to know one another. Household incomes run below the county's, and a noticeable share of residents live below the poverty line. Typical home values sit at a level that many longtime homeowners will find modest compared with much of the country. Winters are cold, with January the coldest month, and summers turn hot by July, with a good deal of rain and melted snow over the year.
Work. Residents work mostly in schools, hospitals and social care, the building trades, shops and manufacturing. Across Morgan County, some of the largest workplaces are Morgan CO. R-II Schools, Walmart and Gates, a maker of control valves and fluid power products. Unemployment across the county has eased a little compared with a year earlier, though the county has fewer jobs than it did the year before. Commutes are a bit longer than a quick trip across town, and only a small share of people work from home.
Things to do. Locust Creek is a river a short drive away, and it is the nearest water to the town. A longer drive brings you to the Lake of the Ozarks, a large reservoir, and to Bridal Cave, a tourist attraction. Harry S. Truman Reservoir is another large reservoir that is a longer drive away.
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- 383households
- 16%below the poverty line
- 26 mintypical commute
- 5%work from home
What people in Morgan County work in
Employed residents by industry, from the Census survey. Morgan County had 4,637 jobs in 2025, 3.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 22°; warmest in July, with highs near 88° and lows near 69°. About 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Versailles weather station, 8 miles away (NOAA).
Largest workplaces in Morgan County
- Morgan Co. R-II SchoolsSchool district218FTE
- WalmartWarehouse clubs and supercenters206
- GatesControl valves, fluid power, manufacturing196
- Martin MetalAddition, alteration and renovation for-sale builders, commercial and institutional building194
- Morgan Co. R-I SchoolsSchool district129FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 596 people in all across the county; Stover 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
- TornadoesVery high
- Cold wavesVery high
- Heat wavesRelatively high
- Winter weatherRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Stover’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 Morgan County.
Stover home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Stover$214,842
- Missouri$265,387
- United States$366,157
Sellers are cutting prices on about 1 in 4 Stover 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.
- Stover22.27%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Stover49
New listings per month
Sellers arriving at the market.
- Stover10
Zip codes with a Stover address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Stover — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.