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Memphis city, MO

ZIP 63555 — 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 63555

Median Home Value
$142,600
Median Rent
$359
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$916/mo PITI).

7%
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.

33.1 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 63555 in Memphis city, MO, a household would need roughly $39,000 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 $916. That sits below the local median household income ($65,096), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.4%+24% vs US avg
x
Vacancy Rate
22.9%+123% vs US avg
x
Broadband Access
82.9%-5% vs US avg
x
4+ Bedrooms
3.9%-73% vs US avg
x
Built Pre-1939
9.6%-25% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
20.8%-58% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$142,600
Home Value
$359
Rent
1968
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 detached82.1%
  • 1-unit attached0.8%
  • 2-9 units9.7%
  • 10+ units2.3%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$142,600
Median rent$359
Owner-occupied81.4%
Vacant22.9%
Price-to-income2.2x
Est. income to buy$39,000