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Holden city, MO

ZIP 64040 — 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 64040

Median Home Value
$220,200
Median Rent
$542
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,415/mo PITI).

9%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

33.9 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 64040 in Holden city, MO, a household would need roughly $61,000 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 $1,415. That sits below the local median household income ($69,961), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.9%+22% vs US avg
x
Vacancy Rate
11.8%+14% vs US avg
x
Broadband Access
83.9%-4% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
2.6%-79% vs US avg
x
Built Post-2014
2.5%-63% vs US avg
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$220,200
Home Value
$542
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached76.1%
  • 1-unit attached2.9%
  • 2-9 units6.6%
  • 10+ units0.8%
  • Mobile home & other13.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$220,200
Median rent$542
Owner-occupied79.9%
Vacant11.8%
Price-to-income3.1x
Est. income to buy$61,000