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Lake Viking CDP, MO

ZIP 64640 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64640

Median Home Value
$177,400
Median Rent
$474
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,140/mo PITI).

10%
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.

31.2 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 64640 in Lake Viking CDP, MO, a household would need roughly $49,000 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 $1,140. That sits below the local median household income ($56,250), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.2%+10% vs US avg
x
Vacancy Rate
31.1%+202% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
20.0%-60% vs US avg
x
Mortgage-Free
50.3%+32% vs US avg
x
$177,400
Home Value
$474
Rent
1975
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 detached81.6%
  • 1-unit attached1.1%
  • 2-9 units6.3%
  • 10+ units3.1%
  • Mobile home & other7.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,400
Median rent$474
Owner-occupied72.2%
Vacant31.1%
Price-to-income3.2x
Est. income to buy$49,000