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Billings city, MO

ZIP 65610 — 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 65610

Median Home Value
$250,700
Median Rent
$550
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,610/mo PITI).

9%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

38.0 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 65610 in Billings city, MO, a household would need roughly $69,000 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 $1,610. That is roughly in line with the local median household income ($70,707). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
89.9%+37% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
6.1%-53% vs US avg
x
Built Post-2014
2.6%-63% vs US avg
x
Rent Burden >30%
25.2%-49% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$250,700
Home Value
$550
Rent
1990
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 detached88.0%
  • 1-unit attached1.5%
  • 2-9 units3.3%
  • 10+ units0.1%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,700
Median rent$550
Owner-occupied89.9%
Vacant3.1%
Price-to-income3.5x
Est. income to buy$69,000