Springfield, MO
Stress
33WATCH
Risk
26MODERATE
7d+13
Generating analysis...
BuyingProceed with caution
Springfield shows some strain. Keep payments under 30% of income. You have negotiating power as the market cools.
SellingStable for sellers
Low correction risk. No urgency. Well-priced homes move at a normal pace.
OwningStay informed
Some indicators elevated but nothing alarming. Home likely holding value.
Score Breakdown
$275K+2.7% YoY
31.1%of listings reduced
21median
2,117+1.6% YoY
$1,790PITI on median
26.7%of income
0.02%
6.58%
3.7%state (BLS)
MidwestBLS regional adjustment
Larger shape = more stress from more sources.
Market Signals
12-MONTH FORECAST
Statistical projection based on historical trends.
12-month price projectionTrend direction, confidence bands, and R-squared fit.
Try FreeAffordability
AFFORDABILITYRenting $522/mo cheaper ($1,268 rent)6.58% 30yr, 20% down, county tax + MO ins. 28% per HUD.
Enter your income for Springfield.
$54,964 on $274,817.619
Stretch — 28.6% of income
Above 28% but manageable with cuts.
PITI$1,790
P/I28.6%
Afford$269K
Gap-$6K
P&I $1,401Tax $222Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
RENT VS BUY
Rent$1,268/mo
Buy (PITI)$1,790/mo
Renting 41% cheaper20% down, 6.58%, 30yr fixed, full PITI
18.1xFair Value
1 years
051015yr
Extra/mo$522
Equity/yr$15,474
Buying pays off quickly.
Trend
Score HistoryJul 28, 2026
Rising = worse for buyers.
Full 2-year history30 days free. Pro unlocks everything.
Try FreeReading
Preparation guides for watch territory.