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Fairfax city, MO

ZIP 64446 — 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 64446

Median Home Value
$102,000
Median Rent
$383
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$655/mo PITI).

8%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.2 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 64446 in Fairfax 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 $655. That sits below the local median household income ($56,563), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.6%+9% vs US avg
x
Vacancy Rate
19.4%+89% vs US avg
x
Broadband Access
80.1%-8% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
5.2%-60% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.8%-86% vs US avg
x
Mortgage-Free
60.6%+59% vs US avg
x
$102,000
Home Value
$383
Rent
1954
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached90.9%
  • 1-unit attached0.3%
  • 2-9 units8.8%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$102,000
Median rent$383
Owner-occupied71.6%
Vacant19.4%
Price-to-income1.8x
Est. income to buy$28,000