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Elsberry city, MO

ZIP 63343 — 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 63343

Median Home Value
$149,300
Median Rent
$676
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$959/mo PITI).

11%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.4 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 63343 in Elsberry city, MO, a household would need roughly $41,000 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 $959. That sits below the local median household income ($71,523), 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
73.7%+13% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
85.1%-2% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.1%-74% vs US avg
x
Mortgage-Free
54.9%+44% vs US avg
x
$149,300
Home Value
$676
Rent
1977
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.8%
  • 1-unit attached0.4%
  • 2-9 units5.5%
  • 10+ units1.0%
  • Mobile home & other18.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$149,300
Median rent$676
Owner-occupied73.7%
Vacant7.8%
Price-to-income2.1x
Est. income to buy$41,000