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Belton city, MO

ZIP 64012 — 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 64012

Median Home Value
$200,900
Median Rent
$994
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,291/mo PITI).

17%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.8 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 64012 in Belton city, MO, a household would need roughly $55,000 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 $1,291. That sits below the local median household income ($71,782), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
66.8%+2% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
24.6%-51% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$200,900
Home Value
$994
Rent
1986
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 detached66.3%
  • 1-unit attached12.2%
  • 2-9 units8.4%
  • 10+ units3.3%
  • Mobile home & other9.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,900
Median rent$994
Owner-occupied66.8%
Vacant6.5%
Price-to-income2.8x
Est. income to buy$55,000