US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 64109
  5. Housing & Real Estate
Kansas City city, MO

ZIP 64109 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64109

Median Home Value
$240,000
Median Rent
$747
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,542/mo PITI).

21%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

26.8 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 64109 in Kansas City city, MO, a household would need roughly $66,000 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 $1,542. That is about 54% above the local median household income ($42,861), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
38.4%-41% vs US avg
x
Vacancy Rate
19.3%+87% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
28.9%-42% vs US avg
x
Mortgage-Free
39.5%+3% vs US avg
x
$240,000
Home Value
$747
Rent
1938
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached48.9%
  • 1-unit attached1.2%
  • 2-9 units16.6%
  • 10+ units33.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$240,000
Median rent$747
Owner-occupied38.4%
Vacant19.3%
Price-to-income5.6x
Est. income to buy$66,000