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Gilman City city, MO

ZIP 64642 — 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 64642

Median Home Value
$87,900
Median Rent
$443
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$565/mo PITI).

10%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.5 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 64642 in Gilman City city, MO, a household would need roughly $24,000 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 $565. That sits below the local median household income ($53,083), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.6%+22% vs US avg
x
Vacancy Rate
21.0%+104% vs US avg
x
Broadband Access
76.4%-12% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
7.1%-86% vs US avg
x
Mortgage-Free
63.0%+65% vs US avg
x
$87,900
Home Value
$443
Rent
1961
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached87.9%
  • 1-unit attached1.1%
  • 2-9 units1.7%
  • 10+ units0.0%
  • Mobile home & other9.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$87,900
Median rent$443
Owner-occupied79.6%
Vacant21.0%
Price-to-income1.7x
Est. income to buy$24,000