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Kansas City city, MO

ZIP 64138 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64138

Median Home Value
$164,900
Median Rent
$869
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,059/mo PITI).

19%
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.

15.8 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 64138 in Kansas City city, MO, a household would need roughly $45,000 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 $1,059. That sits below the local median household income ($54,619), 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
60.4%-8% vs US avg
x
Vacancy Rate
5.8%-43% vs US avg
x
Broadband Access
86.6%-1% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.1%-56% vs US avg
x
Mortgage-Free
31.4%-18% vs US avg
x
$164,900
Home Value
$869
Rent
1968
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 detached74.5%
  • 1-unit attached6.6%
  • 2-9 units10.3%
  • 10+ units8.4%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,900
Median rent$869
Owner-occupied60.4%
Vacant5.8%
Price-to-income3.0x
Est. income to buy$45,000