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Cape Girardeau city, MO

ZIP 63703 — 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 63703

Median Home Value
$127,300
Median Rent
$664
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$818/mo PITI).

22%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

16.0 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 63703 in Cape Girardeau city, MO, a household would need roughly $35,000 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 $818. That is roughly in line with the local median household income ($36,909). 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
40.7%-38% vs US avg
x
Vacancy Rate
10.7%+4% vs US avg
x
Broadband Access
81.7%-6% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
30.4%-39% vs US avg
x
Mortgage-Free
52.7%+38% vs US avg
x
$127,300
Home Value
$664
Rent
1972
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached47.6%
  • 1-unit attached3.7%
  • 2-9 units29.1%
  • 10+ units12.4%
  • Mobile home & other7.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$127,300
Median rent$664
Owner-occupied40.7%
Vacant10.7%
Price-to-income3.4x
Est. income to buy$35,000