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Osceola city, MO

ZIP 64776 — 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 64776

Median Home Value
$140,700
Median Rent
$385
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$904/mo PITI).

11%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

30.5 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 64776 in Osceola city, MO, a household would need roughly $39,000 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 $904. That sits below the local median household income ($43,461), 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 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.5%+12% vs US avg
x
Vacancy Rate
30.1%+192% vs US avg
x
Broadband Access
81.2%-7% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
12.3%-75% vs US avg
x
Mortgage-Free
54.0%+41% vs US avg
x
$140,700
Home Value
$385
Rent
1978
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached75.4%
  • 1-unit attached0.2%
  • 2-9 units4.6%
  • 10+ units1.2%
  • Mobile home & other18.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$140,700
Median rent$385
Owner-occupied73.5%
Vacant30.1%
Price-to-income3.2x
Est. income to buy$39,000