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Concordia city, MO

ZIP 64020 — 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 64020

Median Home Value
$182,200
Median Rent
$580
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,170/mo PITI).

11%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.2 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 64020 in Concordia city, MO, a household would need roughly $50,000 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 $1,170. That sits below the local median household income ($61,250), 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
65.2%-0% vs US avg
x
Vacancy Rate
17.0%+65% vs US avg
x
Broadband Access
76.5%-12% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
8.1%-37% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
34.2%-31% vs US avg
x
Mortgage-Free
43.9%+15% vs US avg
x
$182,200
Home Value
$580
Rent
1964
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached79.9%
  • 1-unit attached0.0%
  • 2-9 units13.8%
  • 10+ units3.5%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$182,200
Median rent$580
Owner-occupied65.2%
Vacant17.0%
Price-to-income3.0x
Est. income to buy$50,000