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Steelville city, MO

ZIP 65565 — 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 65565

Median Home Value
$122,700
Median Rent
$487
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$788/mo PITI).

11%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.0 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 65565 in Steelville city, MO, a household would need roughly $34,000 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 $788. That sits below the local median household income ($51,232), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.3%+3% vs US avg
x
Vacancy Rate
20.7%+101% vs US avg
x
Broadband Access
74.5%-14% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
10.1%-80% vs US avg
x
Mortgage-Free
48.3%+26% vs US avg
x
$122,700
Home Value
$487
Rent
1979
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 detached73.6%
  • 1-unit attached0.0%
  • 2-9 units7.9%
  • 10+ units0.3%
  • Mobile home & other18.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$122,700
Median rent$487
Owner-occupied67.3%
Vacant20.7%
Price-to-income2.4x
Est. income to buy$34,000