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Rocky Comfort CDP, MO

ZIP 64861 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64861

Median Home Value
$158,300
Median Rent
$313
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,017/mo PITI).

8%
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.

42.1 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 64861 in Rocky Comfort CDP, MO, a household would need roughly $44,000 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 $1,017. That is roughly in line with the local median household income ($45,208). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
1.7%-83% vs US avg
x
Broadband Access
73.4%-16% vs US avg
x
4+ Bedrooms
13.2%-11% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$158,300
Home Value
$313
Rent
1993
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 detached68.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other31.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$158,300
Median rent$313
Owner-occupied76.5%
Vacant1.7%
Price-to-income3.5x
Est. income to buy$44,000