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Independence city, MO

ZIP 64057 — 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 64057

Median Home Value
$235,700
Median Rent
$987
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,514/mo PITI).

17%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

19.9 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 64057 in Independence city, MO, a household would need roughly $65,000 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 $1,514. That is roughly in line with the local median household income ($71,441). 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
60.4%-8% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
0.6%-96% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
24.9%-50% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$235,700
Home Value
$987
Rent
1989
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached59.2%
  • 1-unit attached8.0%
  • 2-9 units9.7%
  • 10+ units23.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,700
Median rent$987
Owner-occupied60.4%
Vacant7.8%
Price-to-income3.3x
Est. income to buy$65,000