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Independence city, MO

ZIP 64053 — 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 64053

Median Home Value
$78,400
Median Rent
$697
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$504/mo PITI).

17%
Rent-to-Income Ratio

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

1.6x
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 64053 in Independence city, MO, a household would need roughly $22,000 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 $504. That sits below the local median household income ($48,790), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (23% built before 1939)

Owner Occupied
51.7%-21% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
83.8%-4% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
22.5%+76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.1%-54% vs US avg
x
Mortgage-Free
52.3%+37% vs US avg
x
$78,400
Home Value
$697
Rent
1938
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 detached81.1%
  • 1-unit attached0.6%
  • 2-9 units9.5%
  • 10+ units6.3%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$78,400
Median rent$697
Owner-occupied51.7%
Vacant10.9%
Price-to-income1.6x
Est. income to buy$22,000