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Owensville city, MO

ZIP 65066 — 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 65066

Median Home Value
$160,900
Median Rent
$518
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,034/mo PITI).

10%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.9 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 65066 in Owensville city, 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 $1,034. That sits below the local median household income ($62,321), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.2%+20% vs US avg
x
Vacancy Rate
20.5%+99% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
8.9%-82% vs US avg
x
Mortgage-Free
47.6%+25% vs US avg
x
$160,900
Home Value
$518
Rent
1976
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached80.5%
  • 1-unit attached0.8%
  • 2-9 units7.4%
  • 10+ units0.9%
  • Mobile home & other10.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,900
Median rent$518
Owner-occupied78.2%
Vacant20.5%
Price-to-income2.6x
Est. income to buy$44,000