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Union Star town, MO

ZIP 64494 — 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 64494

Median Home Value
$122,200
Median Rent
$599
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$785/mo PITI).

12%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.0 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 64494 in Union Star town, MO, a household would need roughly $34,000 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 $785. That sits below the local median household income ($59,348), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
11.7%+13% vs US avg
x
Broadband Access
77.6%-11% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
56.0%+47% vs US avg
x
$122,200
Home Value
$599
Rent
1964
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached92.1%
  • 1-unit attached0.0%
  • 2-9 units2.5%
  • 10+ units0.2%
  • Mobile home & other5.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$122,200
Median rent$599
Owner-occupied80.9%
Vacant11.7%
Price-to-income2.1x
Est. income to buy$34,000