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Joplin city, MO

ZIP 64804 — 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 64804

Median Home Value
$171,500
Median Rent
$697
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).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.5 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 64804 in Joplin 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 ($62,081), 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
70.5%+8% vs US avg
x
Vacancy Rate
11.6%+12% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
20.1%-59% vs US avg
x
Mortgage-Free
41.3%+8% vs US avg
x
$171,500
Home Value
$697
Rent
1989
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 detached76.8%
  • 1-unit attached1.8%
  • 2-9 units9.8%
  • 10+ units5.9%
  • Mobile home & other5.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$171,500
Median rent$697
Owner-occupied70.5%
Vacant11.6%
Price-to-income2.8x
Est. income to buy$47,000