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Lathrop city, MO

ZIP 64465 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64465

Median Home Value
$180,900
Median Rent
$611
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,162/mo PITI).

9%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.7 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 64465 in Lathrop city, MO, a household would need roughly $50,000 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 $1,162. That sits below the local median household income ($78,887), 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
75.9%+16% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
84.2%-3% vs US avg
x
4+ Bedrooms
1.0%-94% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
3.9%-44% vs US avg
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
35.4%-7% vs US avg
x
$180,900
Home Value
$611
Rent
1983
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 detached75.9%
  • 1-unit attached0.4%
  • 2-9 units15.1%
  • 10+ units0.9%
  • Mobile home & other7.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$180,900
Median rent$611
Owner-occupied75.9%
Vacant8.6%
Price-to-income2.3x
Est. income to buy$50,000