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Smithville city, MO

ZIP 64089 — 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 64089

Median Home Value
$307,200
Median Rent
$947
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,973/mo PITI).

11%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.0 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 64089 in Smithville city, MO, a household would need roughly $85,000 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 $1,973. That sits below the local median household income ($101,063), 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
84.6%+29% vs US avg
x
Vacancy Rate
2.6%-74% vs US avg
x
Broadband Access
91.7%+5% vs US avg
x
4+ Bedrooms
7.1%-52% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
7.1%-86% vs US avg
x
Mortgage-Free
30.2%-21% vs US avg
x
$307,200
Home Value
$947
Rent
1995
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached84.0%
  • 1-unit attached6.8%
  • 2-9 units8.9%
  • 10+ units0.3%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$307,200
Median rent$947
Owner-occupied84.6%
Vacant2.6%
Price-to-income3.0x
Est. income to buy$85,000