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Parma city, MO

ZIP 63870 — 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 63870

Median Home Value
$45,900
Median Rent
$408
Affordability Snapshot
$13,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$295/mo PITI).

10%
Rent-to-Income Ratio

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

0.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

9.4 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 63870 in Parma city, MO, a household would need roughly $13,000 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 $295. That sits below the local median household income ($50,795), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (29% built before 1939)

Owner Occupied
57.9%-11% vs US avg
x
Vacancy Rate
12.0%+16% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
29.4%+130% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.7%-85% vs US avg
x
Mortgage-Free
74.4%+95% vs US avg
x
$45,900
Home Value
$408
Rent
1954
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 detached86.7%
  • 1-unit attached0.0%
  • 2-9 units6.8%
  • 10+ units0.0%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$45,900
Median rent$408
Owner-occupied57.9%
Vacant12.0%
Price-to-income0.9x
Est. income to buy$13,000