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Kansas City city, MO

ZIP 64105 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64105

Median Home Value
$228,400
Median Rent
$1,414
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,467/mo PITI).

26%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

13.5 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 64105 in Kansas City city, MO, a household would need roughly $63,000 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 $1,467. That is roughly in line with the local median household income ($65,435). 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
13.5%-79% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
2.6%-63% vs US avg
x
Rent Burden >30%
16.6%-67% vs US avg
x
Mortgage-Free
20.4%-46% vs US avg
x
$228,400
Home Value
$1,414
Rent
1956
Year Built
2020
Moved In

Residents have lived here since ~2020 on average

Housing Structure

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

  • 1-unit detached1.1%
  • 1-unit attached1.3%
  • 2-9 units3.6%
  • 10+ units93.6%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$228,400
Median rent$1,414
Owner-occupied13.5%
Vacant6.3%
Price-to-income3.5x
Est. income to buy$63,000