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Salisbury city, MO

ZIP 65281 — 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 65281

Median Home Value
$141,300
Median Rent
$442
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$908/mo PITI).

8%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.6 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 65281 in Salisbury 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 $908. That sits below the local median household income ($65,000), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.5%+26% vs US avg
x
Vacancy Rate
23.0%+123% vs US avg
x
Broadband Access
84.6%-3% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
8.4%-83% vs US avg
x
Mortgage-Free
60.1%+57% vs US avg
x
$141,300
Home Value
$442
Rent
1970
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached86.8%
  • 1-unit attached1.3%
  • 2-9 units6.7%
  • 10+ units0.9%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$141,300
Median rent$442
Owner-occupied82.5%
Vacant23.0%
Price-to-income2.2x
Est. income to buy$39,000