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Holt city, MO

ZIP 64048 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64048

Median Home Value
$300,400
Median Rent
$737
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,930/mo PITI).

9%
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.

34.0 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 64048 in Holt city, MO, a household would need roughly $83,000 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 $1,930. That sits below the local median household income ($101,193), 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
91.4%+40% vs US avg
x
Vacancy Rate
12.2%+18% vs US avg
x
Broadband Access
86.9%-0% vs US avg
x
4+ Bedrooms
11.3%-24% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
16.0%-68% vs US avg
x
Mortgage-Free
38.3%+0% vs US avg
x
$300,400
Home Value
$737
Rent
1982
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached95.1%
  • 1-unit attached0.5%
  • 2-9 units3.6%
  • 10+ units0.0%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$300,400
Median rent$737
Owner-occupied91.4%
Vacant12.2%
Price-to-income3.0x
Est. income to buy$83,000