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Independence city, MO

ZIP 64056 — 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 64056

Median Home Value
$176,400
Median Rent
$904
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,133/mo PITI).

16%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.3 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 64056 in Independence city, MO, a household would need roughly $49,000 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 $1,133. That sits below the local median household income ($68,696), 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
62.2%-5% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
91.7%+5% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
34.9%-30% vs US avg
x
Mortgage-Free
32.7%-14% vs US avg
x
$176,400
Home Value
$904
Rent
1974
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 detached75.3%
  • 1-unit attached8.4%
  • 2-9 units10.4%
  • 10+ units2.8%
  • Mobile home & other3.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$176,400
Median rent$904
Owner-occupied62.2%
Vacant5.3%
Price-to-income2.6x
Est. income to buy$49,000