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Bertrand city, MO

ZIP 63823 — 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 63823

Median Home Value
$107,600
Median Rent
$463
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$691/mo PITI).

9%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.4 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 63823 in Bertrand city, MO, a household would need roughly $30,000 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 $691. That sits below the local median household income ($62,120), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.8%+17% vs US avg
x
Vacancy Rate
17.5%+70% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
0.2%-99% vs US avg
x
Built Pre-1939
9.9%-23% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
6.1%-88% vs US avg
x
Mortgage-Free
72.7%+90% vs US avg
x
$107,600
Home Value
$463
Rent
1978
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 detached69.7%
  • 1-unit attached1.3%
  • 2-9 units3.4%
  • 10+ units1.8%
  • Mobile home & other23.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$107,600
Median rent$463
Owner-occupied76.8%
Vacant17.5%
Price-to-income1.7x
Est. income to buy$30,000