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Montgomery City city, MO

ZIP 63361 — 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 63361

Median Home Value
$180,000
Median Rent
$522
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,156/mo PITI).

12%
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.

28.7 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 63361 in Montgomery City city, MO, a household would need roughly $50,000 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 $1,156. That is roughly in line with the local median household income ($54,091). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.1%+16% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
87.6%+1% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
6.6%-48% vs US avg
x
Built Post-2014
2.8%-60% vs US avg
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
54.0%+41% vs US avg
x
$180,000
Home Value
$522
Rent
1983
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 detached79.0%
  • 1-unit attached0.5%
  • 2-9 units6.3%
  • 10+ units4.5%
  • Mobile home & other9.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$180,000
Median rent$522
Owner-occupied76.1%
Vacant11.3%
Price-to-income3.3x
Est. income to buy$50,000