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Independence city, MO

ZIP 64055 — 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 64055

Median Home Value
$173,400
Median Rent
$881
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,114/mo PITI).

16%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.4 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 64055 in Independence city, MO, a household would need roughly $48,000 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 $1,114. That sits below the local median household income ($64,646), 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
69.5%+6% vs US avg
x
Vacancy Rate
5.7%-44% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
26.3%-47% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$173,400
Home Value
$881
Rent
1970
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 detached69.8%
  • 1-unit attached4.9%
  • 2-9 units8.9%
  • 10+ units12.0%
  • Mobile home & other4.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$173,400
Median rent$881
Owner-occupied69.5%
Vacant5.7%
Price-to-income2.7x
Est. income to buy$48,000