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ZIP 65270
Housing & Real Estate

Moberly city, MO

ZIP 65270 — 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 65270

Median Home Value

$143,300

Median Rent

$517

Affordability Snapshot

$39,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$921/mo PITI).

13%

Rent-to-Income Ratio

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

3.0x

Home Price-to-Income Ratio

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

23.1 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 65270 in Moberly city, MO, a household would need roughly $39,000 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 $921. That sits below the local median household income ($47,354), 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 13% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

63.6%-3% vs US avg

Vacancy Rate

12.9%+25% vs US avg

Broadband Access

80.9%-7% vs US avg

4+ Bedrooms

4.0%-73% vs US avg

Built Pre-1939

3.4%-74% vs US avg

Built Post-2014

0.9%-88% vs US avg

Rent Burden >30%

16.3%-67% vs US avg

Mortgage-Free

45.0%+18% vs US avg

$143,300

Home Value

$517

Rent

1972

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 detached75.3%
1-unit attached2.3%
2-9 units12.1%
10+ units2.4%
Mobile home & other7.8%

Historical Trends in 65270 (2020–Present)

Since 2020, population declined 0.9%, median income fell 13.3% (inflation-adjusted), home values increased 10.3%.

Home Value

$143,300

-59% vs US avg

Median Rent

$517

-56% vs US avg

ZIP 65270 — Housing & Real Estate

Housing & Real Estate in ZIP Code 65270

Historical Trends in 65270 (2020–Present)

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Housing & Real Estate key statistics