US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 64656
  5. Housing & Real Estate
Ludlow town, MO

ZIP 64656 — 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 64656

Median Home Value
$103,800
Median Rent
$383
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$667/mo PITI).

8%
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.

22.6 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 64656 in Ludlow town, MO, a household would need roughly $29,000 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 $667. That sits below the local median household income ($60,000), 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 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.1%-0% vs US avg
x
Vacancy Rate
28.9%+181% vs US avg
x
Broadband Access
73.3%-16% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
67.9%+78% vs US avg
x
$103,800
Home Value
$383
Rent
1967
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached79.3%
  • 1-unit attached0.0%
  • 2-9 units9.9%
  • 10+ units0.0%
  • Mobile home & other10.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$103,800
Median rent$383
Owner-occupied65.1%
Vacant28.9%
Price-to-income1.7x
Est. income to buy$29,000