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Jane town, MO

ZIP 64856 — 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 64856

Median Home Value
$173,600
Median Rent
$525
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,115/mo PITI).

13%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

27.6 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 64856 in Jane town, MO, a household would need roughly $48,000 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 $1,115. That is roughly in line with the local median household income ($49,148). 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
71.2%+9% vs US avg
x
Vacancy Rate
8.9%-13% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
54.6%+43% vs US avg
x
$173,600
Home Value
$525
Rent
1990
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached63.3%
  • 1-unit attached0.5%
  • 2-9 units4.8%
  • 10+ units0.3%
  • Mobile home & other31.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$173,600
Median rent$525
Owner-occupied71.2%
Vacant8.9%
Price-to-income3.5x
Est. income to buy$48,000