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Agency village, MO

ZIP 64401 — 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 64401

Median Home Value
$241,500
Median Rent
$663
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,551/mo PITI).

8%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.4 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 64401 in Agency village, 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 $1,551. That sits below the local median household income ($96,142), 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
97.7%+49% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.3%-71% vs US avg
x
Mortgage-Free
28.2%-26% vs US avg
x
$241,500
Home Value
$663
Rent
1988
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached86.6%
  • 1-unit attached0.3%
  • 2-9 units0.5%
  • 10+ units0.2%
  • Mobile home & other12.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$241,500
Median rent$663
Owner-occupied97.7%
Vacant6.8%
Price-to-income2.5x
Est. income to buy$66,000