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Southwest City town, MO

ZIP 64863 — 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 64863

Median Home Value
$150,000
Median Rent
$398
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$964/mo PITI).

12%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

31.4 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 64863 in Southwest City town, MO, a household would need roughly $41,000 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 $964. That is roughly in line with the local median household income ($38,482). 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
65.4%-0% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
77.0%-12% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
9.4%-26% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
32.0%-36% vs US avg
x
Mortgage-Free
55.1%+44% vs US avg
x
$150,000
Home Value
$398
Rent
1978
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached67.9%
  • 1-unit attached0.6%
  • 2-9 units13.9%
  • 10+ units1.6%
  • Mobile home & other15.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$150,000
Median rent$398
Owner-occupied65.4%
Vacant9.3%
Price-to-income3.9x
Est. income to buy$41,000