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Hayti city, MO

ZIP 63851 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63851

Median Home Value
$74,200
Median Rent
$273
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$477/mo PITI).

11%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.6 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 63851 in Hayti city, MO, a household would need roughly $20,000 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 $477. That sits below the local median household income ($28,650), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
54.2%-17% vs US avg
x
Vacancy Rate
16.2%+57% vs US avg
x
Broadband Access
82.9%-5% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.2%-43% vs US avg
x
Mortgage-Free
56.6%+48% vs US avg
x
$74,200
Home Value
$273
Rent
1972
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached72.3%
  • 1-unit attached0.1%
  • 2-9 units16.3%
  • 10+ units1.3%
  • Mobile home & other10.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$74,200
Median rent$273
Owner-occupied54.2%
Vacant16.2%
Price-to-income2.6x
Est. income to buy$20,000