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Savannah city, MO

ZIP 64485 — 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 64485

Median Home Value
$188,700
Median Rent
$591
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,212/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

26.6 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 64485 in Savannah city, MO, a household would need roughly $52,000 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 $1,212. That sits below the local median household income ($61,679), 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
72.0%+10% vs US avg
x
Vacancy Rate
8.1%-22% vs US avg
x
Broadband Access
82.0%-6% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
47.1%+23% vs US avg
x
$188,700
Home Value
$591
Rent
1977
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached76.8%
  • 1-unit attached2.7%
  • 2-9 units10.0%
  • 10+ units4.3%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,700
Median rent$591
Owner-occupied72.0%
Vacant8.1%
Price-to-income3.1x
Est. income to buy$52,000