US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 64454
  5. Housing & Real Estate
Gower city, MO

ZIP 64454 — 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 64454

Median Home Value
$237,800
Median Rent
$573
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,528/mo PITI).

9%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

34.6 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 64454 in Gower 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 $1,528. That sits below the local median household income ($73,431), 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
Owner Occupied
88.4%+35% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
3.3%-77% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
29.6%-22% vs US avg
x
$237,800
Home Value
$573
Rent
1978
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached86.0%
  • 1-unit attached0.8%
  • 2-9 units4.4%
  • 10+ units0.0%
  • Mobile home & other8.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$237,800
Median rent$573
Owner-occupied88.4%
Vacant11.3%
Price-to-income3.2x
Est. income to buy$65,000