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Independence city, MO

ZIP 64050 — 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 64050

Median Home Value
$137,200
Median Rent
$674
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$881/mo PITI).

17%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.0 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 64050 in Independence 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 $881. That sits below the local median household income ($46,561), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
49.0%-25% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
9.3%-28% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$137,200
Home Value
$674
Rent
1957
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 detached69.8%
  • 1-unit attached4.1%
  • 2-9 units14.7%
  • 10+ units10.9%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$137,200
Median rent$674
Owner-occupied49.0%
Vacant9.3%
Price-to-income2.9x
Est. income to buy$38,000