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Hamilton city, MO

ZIP 64644 — 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 64644

Median Home Value
$171,600
Median Rent
$483
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,102/mo PITI).

8%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.6 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 64644 in Hamilton city, MO, a household would need roughly $47,000 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 $1,102. That sits below the local median household income ($72,628), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.9%+18% vs US avg
x
Vacancy Rate
12.5%+21% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
7.5%-85% vs US avg
x
Mortgage-Free
43.9%+15% vs US avg
x
$171,600
Home Value
$483
Rent
1971
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 detached77.1%
  • 1-unit attached1.1%
  • 2-9 units7.4%
  • 10+ units1.6%
  • Mobile home & other12.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$171,600
Median rent$483
Owner-occupied76.9%
Vacant12.5%
Price-to-income2.4x
Est. income to buy$47,000