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Overland city, MO

ZIP 63114 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63114

Median Home Value
$109,700
Median Rent
$846
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$705/mo PITI).

20%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.8 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 63114 in Overland city, MO, a household would need roughly $30,000 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 $705. That sits below the local median household income ($52,048), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
57.9%-12% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
17.1%+33% vs US avg
x
Built Post-2014
0.0%-99% vs US avg
x
Rent Burden >30%
24.2%-51% vs US avg
x
Mortgage-Free
35.7%-6% vs US avg
x
$109,700
Home Value
$846
Rent
1953
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached82.7%
  • 1-unit attached1.8%
  • 2-9 units9.9%
  • 10+ units4.7%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$109,700
Median rent$846
Owner-occupied57.9%
Vacant5.0%
Price-to-income2.1x
Est. income to buy$30,000