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Cleveland city, MO

ZIP 64734 — 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 64734

Median Home Value
$313,600
Median Rent
$932
Affordability Snapshot
$86,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,014/mo PITI).

12%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.0 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 64734 in Cleveland city, MO, a household would need roughly $86,000 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 $2,014. That is roughly in line with the local median household income ($95,313). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
79.5%+21% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
92.2%+6% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$313,600
Home Value
$932
Rent
1985
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 detached91.8%
  • 1-unit attached0.6%
  • 2-9 units2.5%
  • 10+ units0.0%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$313,600
Median rent$932
Owner-occupied79.5%
Vacant7.1%
Price-to-income3.3x
Est. income to buy$86,000