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Chaffee city, MO

ZIP 63740 — 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 63740

Median Home Value
$138,900
Median Rent
$533
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$892/mo PITI).

12%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.7 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 63740 in Chaffee city, MO, a household would need roughly $38,000 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 $892. That sits below the local median household income ($54,681), 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
75.8%+16% vs US avg
x
Vacancy Rate
9.6%-6% vs US avg
x
Broadband Access
76.7%-12% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
36.3%-5% vs US avg
x
$138,900
Home Value
$533
Rent
1973
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 detached72.1%
  • 1-unit attached2.3%
  • 2-9 units12.1%
  • 10+ units1.9%
  • Mobile home & other11.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,900
Median rent$533
Owner-occupied75.8%
Vacant9.6%
Price-to-income2.5x
Est. income to buy$38,000