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Concord CDP, MO

ZIP 63128 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63128

Median Home Value
$319,700
Median Rent
$999
Affordability Snapshot
$88,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,054/mo PITI).

14%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.7 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 63128 in Concord CDP, MO, a household would need roughly $88,000 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 $2,054. That is roughly in line with the local median household income ($87,266). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
77.4%+18% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$319,700
Home Value
$999
Rent
1977
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached70.4%
  • 1-unit attached7.0%
  • 2-9 units9.5%
  • 10+ units12.7%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$319,700
Median rent$999
Owner-occupied77.4%
Vacant4.3%
Price-to-income3.7x
Est. income to buy$88,000