Warsaw, Missouri.
Typical home $183,079 (+2.0% in a year).
to buy the typical home at today's mortgage rate — +$478 (+99%) since Jan 2020.
- 1 year
- Up $3,555 +2%
- $179,525$183,079 since Sep 2025
- 5 years
- Up $12,690 +7%
- $170,390$183,079 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.
- Warsaw$961
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 48 years.
Typical home values in Warsaw, MO rose 2.0% over the past year — faster than the nation's +1.2%.
Living in Warsaw, Benton County, Missouri
Warsaw is a city of 2,209 people in Benton County. Half its households earn more than $41,413 a year and half less, against $52,567 across Benton County; 20% of its people live below the poverty line. 63% of its homes are lived in by their owners and 37% are rented. Unemployment in Benton County was 4.9% in August 2026, and the county had 2.2% more jobs in 2025 than the year before. The most people in Benton 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 It can be wrong or out of date.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. Warsaw is a small city in Benton County, Missouri, built around the water that sits in and beside it. Incomes here run below the county's, and more households than across much of the country are living below the poverty line, while most homes are lived in by their owners. Relatively few adults hold a four-year degree, and very few work from home.
Work. Residents work mostly in schools, hospitals and social care, the building trades, manufacturing and shops. Across Benton County, the largest workplaces include Walmart, Warsaw R-IX Schools and Regal Rexnord. Unemployment across the county has eased compared with a year earlier, and the county has added jobs over the past year.
Things to do. Harry S. Truman Reservoir lies in or beside town, and Harry S Truman State Park is a short drive away for time outdoors. Pomme de Terre Lake, another reservoir, is a longer drive. Winters are cold and summers hot, with a fair amount of rain and melted snow through the year.
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- 768households
- 15%of adults have a degree
- 20%below the poverty line
- 3%work from home
What people in Benton County work in
Employed residents by industry, from the Census survey. Benton County had 3,818 jobs in 2025, 2.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 22°; warmest in July, with highs near 90° and lows near 69°. About 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Truman Dam & Rsvr weather station, 3 miles away (NOAA).
Largest workplaces in Benton County
- WalmartWarehouse clubs and supercenters230
- Warsaw R-IX SchoolsSchool district162FTE
- Cole Camp R-I SchoolsSchool district118FTE
- Regal RexnordMotors, electric, manufacturing111
- Lincoln R-II SchoolsSchool district83FTE
- Ozark Fire Sprinkler CoSprinkler system, building, installation35
- Varsity SpiritUniforms, band, cut and sewn from purchased fabric23
- Tompkins Family FarmsFarrow-to-finish operations22
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 441 people in all across the county; Warsaw has two 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
- Strong windVery high
- LightningVery high
- TornadoesVery high
- Inland floodingVery high
- Ice stormsRelatively 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 Warsaw’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 Benton County.
Warsaw home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Warsaw$183,079
- Missouri$265,387
- United States$366,157
Sellers are cutting prices on about 1 in 3 Warsaw listings, and the typical home goes pending in 37 days — the market is cooling.
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.
- Warsaw31.20%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Warsaw37
- United States21
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Warsaw167
New listings per month
Sellers arriving at the market.
- Warsaw27
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Warsaw$249,103
- United States$371,407
Zip codes with a Warsaw address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Warsaw — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.