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Lancaster city, MO

ZIP 63548 — 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 63548

Median Home Value
$152,900
Median Rent
$352
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$982/mo PITI).

8%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

36.2 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 63548 in Lancaster city, MO, a household would need roughly $42,000 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 $982. That sits below the local median household income ($53,015), 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 37% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.1%+22% vs US avg
x
Vacancy Rate
37.2%+261% vs US avg
x
Broadband Access
63.5%-27% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
11.2%-13% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.8%-84% vs US avg
x
Mortgage-Free
59.9%+57% vs US avg
x
$152,900
Home Value
$352
Rent
1959
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached80.2%
  • 1-unit attached3.1%
  • 2-9 units10.6%
  • 10+ units0.2%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$152,900
Median rent$352
Owner-occupied80.1%
Vacant37.2%
Price-to-income2.9x
Est. income to buy$42,000