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Chillicothe city, MO

ZIP 64601 — 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 64601

Median Home Value
$145,000
Median Rent
$524
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$931/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.1 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 64601 in Chillicothe city, MO, a household would need roughly $40,000 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 $931. That sits below the local median household income ($58,804), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.8%+1% vs US avg
x
Vacancy Rate
11.1%+8% vs US avg
x
Broadband Access
76.5%-12% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
10.4%-18% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
12.0%-76% vs US avg
x
Mortgage-Free
52.9%+38% vs US avg
x
$145,000
Home Value
$524
Rent
1969
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 detached80.9%
  • 1-unit attached2.8%
  • 2-9 units9.2%
  • 10+ units3.0%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,000
Median rent$524
Owner-occupied65.8%
Vacant11.1%
Price-to-income2.5x
Est. income to buy$40,000