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Kearney city, MO

ZIP 64060 — 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 64060

Median Home Value
$322,100
Median Rent
$885
Affordability Snapshot
$89,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,069/mo PITI).

10%
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.

30.3 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 64060 in Kearney city, MO, a household would need roughly $89,000 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 $2,069. That sits below the local median household income ($107,626), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
82.8%+27% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
7.8%-48% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
2.3%-67% vs US avg
x
Rent Burden >30%
9.6%-81% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$322,100
Home Value
$885
Rent
1997
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 detached86.8%
  • 1-unit attached1.0%
  • 2-9 units10.1%
  • 10+ units2.0%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$322,100
Median rent$885
Owner-occupied82.8%
Vacant3.7%
Price-to-income3.0x
Est. income to buy$89,000