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Ellington city, MO

ZIP 63638 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63638

Median Home Value
$92,100
Median Rent
$450
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$592/mo PITI).

11%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.1 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 63638 in Ellington 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 $592. That sits below the local median household income ($50,574), 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 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.3%+11% vs US avg
x
Vacancy Rate
32.1%+211% vs US avg
x
Broadband Access
78.8%-9% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.2%-78% vs US avg
x
Mortgage-Free
47.4%+24% vs US avg
x
$92,100
Home Value
$450
Rent
1974
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 detached77.6%
  • 1-unit attached0.0%
  • 2-9 units4.6%
  • 10+ units0.1%
  • Mobile home & other17.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$92,100
Median rent$450
Owner-occupied72.3%
Vacant32.1%
Price-to-income1.8x
Est. income to buy$25,000