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Plattsburg city, MO

ZIP 64477 — 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 64477

Median Home Value
$220,900
Median Rent
$567
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,419/mo PITI).

10%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

32.5 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 64477 in Plattsburg city, MO, a household would need roughly $61,000 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 $1,419. That is roughly in line with the local median household income ($64,972). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
10.2%-1% vs US avg
x
Broadband Access
82.4%-5% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
6.6%-87% vs US avg
x
Mortgage-Free
43.4%+14% vs US avg
x
$220,900
Home Value
$567
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 detached83.5%
  • 1-unit attached0.8%
  • 2-9 units9.3%
  • 10+ units1.8%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$220,900
Median rent$567
Owner-occupied76.5%
Vacant10.2%
Price-to-income3.4x
Est. income to buy$61,000