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Vandalia city, MO

ZIP 63382 — 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 63382

Median Home Value
$90,900
Median Rent
$454
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$584/mo PITI).

9%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.7 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 63382 in Vandalia city, MO, a household would need roughly $25,000 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 $584. That sits below the local median household income ($62,273), 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

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.4%+9% vs US avg
x
Vacancy Rate
16.8%+63% vs US avg
x
Broadband Access
87.2%+0% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
4.4%-65% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.2%-73% vs US avg
x
Mortgage-Free
73.0%+91% vs US avg
x
$90,900
Home Value
$454
Rent
1963
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached87.7%
  • 1-unit attached0.6%
  • 2-9 units2.9%
  • 10+ units0.4%
  • Mobile home & other8.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$90,900
Median rent$454
Owner-occupied71.4%
Vacant16.8%
Price-to-income1.5x
Est. income to buy$25,000