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Birch Tree city, MO

ZIP 65438 — 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 65438

Median Home Value
$105,800
Median Rent
$356
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$680/mo PITI).

8%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.8 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 65438 in Birch Tree city, MO, a household would need roughly $29,000 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 $680. That sits below the local median household income ($52,333), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.0%+38% vs US avg
x
Vacancy Rate
24.1%+134% vs US avg
x
Broadband Access
73.6%-15% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
18.5%-63% vs US avg
x
Mortgage-Free
60.5%+58% vs US avg
x
$105,800
Home Value
$356
Rent
1984
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached76.2%
  • 1-unit attached0.0%
  • 2-9 units5.6%
  • 10+ units0.0%
  • Mobile home & other18.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$105,800
Median rent$356
Owner-occupied90.0%
Vacant24.1%
Price-to-income2.0x
Est. income to buy$29,000