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Callao city, MO

ZIP 63534 — 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 63534

Median Home Value
$105,000
Median Rent
$425
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$674/mo PITI).

10%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.6 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 63534 in Callao city, MO, a household would need roughly $29,000 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 $674. That sits below the local median household income ($48,611), 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

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.3%+34% vs US avg
x
Vacancy Rate
21.8%+112% vs US avg
x
Broadband Access
56.5%-35% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
6.6%-48% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
62.5%+63% vs US avg
x
$105,000
Home Value
$425
Rent
1962
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 detached89.6%
  • 1-unit attached0.0%
  • 2-9 units2.8%
  • 10+ units0.0%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$105,000
Median rent$425
Owner-occupied87.3%
Vacant21.8%
Price-to-income2.2x
Est. income to buy$29,000