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Farmington city, MO

ZIP 63640 — 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 63640

Median Home Value
$195,900
Median Rent
$690
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,258/mo PITI).

15%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

23.7 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 63640 in Farmington city, MO, a household would need roughly $54,000 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 $1,258. That is roughly in line with the local median household income ($55,926). 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
64.5%-1% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
84.4%-3% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
19.1%-61% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$195,900
Home Value
$690
Rent
1990
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached63.9%
  • 1-unit attached4.2%
  • 2-9 units18.2%
  • 10+ units5.3%
  • Mobile home & other8.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,900
Median rent$690
Owner-occupied64.5%
Vacant9.7%
Price-to-income3.5x
Est. income to buy$54,000