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ZIP 65644
Housing & Real Estate

, MO

ZIP 65644 — 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 65644

Median Home Value

$185,500

Median Rent

$568

Affordability Snapshot

$51,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,192/mo PITI).

10%

Rent-to-Income Ratio

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

2.7x

Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.2 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 65644 in MO, a household would need roughly $51,000 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 $1,192. That sits below the local median household income ($69,050), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel

Housing Metrics

Owner Occupied

85.9%+31% vs US avg

Vacancy Rate

7.2%-30% vs US avg

Broadband Access

79.2%-9% vs US avg

4+ Bedrooms

2.8%-81% vs US avg

Built Pre-1939

7.4%-42% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

35.0%-29% vs US avg

Mortgage-Free

43.7%+14% vs US avg

$185,500

Home Value

$568

Rent

1979

Year Built

2007

Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

1-unit detached82.4%
1-unit attached0.0%
2-9 units0.0%
10+ units0.0%
Mobile home & other17.6%

Historical Trends in 65644 (2020–Present)

Since 2020, population grew 3.5%, median income rose 0.3% (inflation-adjusted), home values increased 5.5%.

Home Value

$185,500

-47% vs US avg

Median Rent

$568

-51% vs US avg

ZIP 65644 — Housing & Real Estate

Housing & Real Estate in ZIP Code 65644

Historical Trends in 65644 (2020–Present)

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Housing & Real Estate key statistics