US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 64402
  5. Housing & Real Estate
Albany city, MO

ZIP 64402 — 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 64402

Median Home Value
$101,700
Median Rent
$429
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$653/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.8 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 64402 in Albany city, MO, a household would need roughly $28,000 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 $653. That sits below the local median household income ($53,661), 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

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.2%+10% vs US avg
x
Vacancy Rate
16.7%+62% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.1%-88% vs US avg
x
Mortgage-Free
52.0%+36% vs US avg
x
$101,700
Home Value
$429
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 detached72.0%
  • 1-unit attached1.9%
  • 2-9 units10.3%
  • 10+ units3.3%
  • Mobile home & other12.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$101,700
Median rent$429
Owner-occupied72.2%
Vacant16.7%
Price-to-income1.9x
Est. income to buy$28,000