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McFall city, MO

ZIP 64657 — 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 64657

Median Home Value
$125,000
Median Rent
$411
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$803/mo PITI).

9%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.3 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 64657 in McFall city, MO, a household would need roughly $34,000 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 $803. That sits below the local median household income ($57,734), 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 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.2%+24% vs US avg
x
Vacancy Rate
34.2%+232% vs US avg
x
Broadband Access
83.5%-4% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
91.7%+140% vs US avg
x
$125,000
Home Value
$411
Rent
1965
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 detached90.1%
  • 1-unit attached0.0%
  • 2-9 units6.9%
  • 10+ units0.0%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$125,000
Median rent$411
Owner-occupied81.2%
Vacant34.2%
Price-to-income2.2x
Est. income to buy$34,000