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Columbia city, MO

ZIP 65202 — 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 65202

Median Home Value
$202,300
Median Rent
$842
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,300/mo PITI).

14%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.0 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 65202 in Columbia city, MO, a household would need roughly $56,000 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 $1,300. That sits below the local median household income ($69,740), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.8%-2% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
90.6%+4% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
34.4%-10% vs US avg
x
$202,300
Home Value
$842
Rent
1994
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached62.9%
  • 1-unit attached4.7%
  • 2-9 units18.3%
  • 10+ units7.3%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$202,300
Median rent$842
Owner-occupied63.8%
Vacant6.9%
Price-to-income2.9x
Est. income to buy$56,000