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Osborn city, MO

ZIP 64474 — 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 64474

Median Home Value
$133,700
Median Rent
$570
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$859/mo PITI).

9%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.5 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 64474 in Osborn city, MO, a household would need roughly $37,000 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 $859. That sits below the local median household income ($74,583), 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
67.8%+4% vs US avg
x
Vacancy Rate
8.9%-14% vs US avg
x
Broadband Access
81.1%-7% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.5%-89% vs US avg
x
Mortgage-Free
58.1%+52% vs US avg
x
$133,700
Home Value
$570
Rent
1970
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached73.3%
  • 1-unit attached0.3%
  • 2-9 units19.4%
  • 10+ units1.1%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$133,700
Median rent$570
Owner-occupied67.8%
Vacant8.9%
Price-to-income1.8x
Est. income to buy$37,000