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Springfield city, MO

ZIP 65810 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 65810

Median Home Value
$282,900
Median Rent
$959
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,817/mo PITI).

13%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

24.6 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 65810 in Springfield city, MO, a household would need roughly $78,000 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 $1,817. That sits below the local median household income ($90,562), 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
74.5%+14% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
12.1%-18% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
18.5%-63% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$282,900
Home Value
$959
Rent
1996
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 detached78.3%
  • 1-unit attached2.4%
  • 2-9 units4.4%
  • 10+ units14.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$282,900
Median rent$959
Owner-occupied74.5%
Vacant3.0%
Price-to-income3.1x
Est. income to buy$78,000