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Gray Summit CDP, MO

ZIP 63055 — 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 63055

Median Home Value
$254,300
Median Rent
$726
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,634/mo PITI).

11%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

29.2 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 63055 in Gray Summit CDP, MO, a household would need roughly $70,000 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 $1,634. That is roughly in line with the local median household income ($76,359). 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
82.8%+27% vs US avg
x
Vacancy Rate
9.0%-12% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
4.7%-64% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
10.7%-78% vs US avg
x
Mortgage-Free
53.6%+40% vs US avg
x
$254,300
Home Value
$726
Rent
1989
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 detached71.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other28.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$254,300
Median rent$726
Owner-occupied82.8%
Vacant9.0%
Price-to-income3.3x
Est. income to buy$70,000