US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 65631
  5. Housing & Real Estate
Clever city, MO

ZIP 65631 — 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 65631

Median Home Value
$220,600
Median Rent
$835
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,417/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.

22.0 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 65631 in Clever city, MO, a household would need roughly $61,000 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 $1,417. That sits below the local median household income ($91,250), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
80.7%+23% vs US avg
x
Vacancy Rate
2.7%-74% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
6.0%-59% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
41.0%-18% vs US avg
x
Mortgage-Free
25.4%-33% vs US avg
x
$220,600
Home Value
$835
Rent
2003
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 detached92.9%
  • 1-unit attached1.5%
  • 2-9 units3.1%
  • 10+ units1.8%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$220,600
Median rent$835
Owner-occupied80.7%
Vacant2.7%
Price-to-income2.4x
Est. income to buy$61,000