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De Soto city, MO

ZIP 63020 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63020

Median Home Value
$172,600
Median Rent
$640
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,109/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 63020 in De Soto city, MO, a household would need roughly $48,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,109. That sits below the local median household income ($65,908), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
80.6%+23% vs US avg
x
Vacancy Rate
8.5%-17% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
41.5%+9% vs US avg
x
$172,600
Home Value
$640
Rent
1980
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached82.9%
  • 1-unit attached0.4%
  • 2-9 units6.7%
  • 10+ units2.6%
  • Mobile home & other7.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,600
Median rent$640
Owner-occupied80.6%
Vacant8.5%
Price-to-income2.6x
Est. income to buy$48,000