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Galt city, MO

ZIP 64641 — 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 64641

Median Home Value
$121,900
Median Rent
$334
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$783/mo PITI).

9%
Rent-to-Income Ratio

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

2.6x
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 64641 in Galt city, 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 $783. That sits below the local median household income ($46,607), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.2%+3% vs US avg
x
Vacancy Rate
24.9%+142% vs US avg
x
Broadband Access
68.8%-21% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
9.9%-23% vs US avg
x
Built Post-2014
2.4%-65% vs US avg
x
Rent Burden >30%
8.5%-83% vs US avg
x
Mortgage-Free
61.9%+62% vs US avg
x
$121,900
Home Value
$334
Rent
1958
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 detached79.0%
  • 1-unit attached0.0%
  • 2-9 units12.0%
  • 10+ units0.0%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$121,900
Median rent$334
Owner-occupied67.2%
Vacant24.9%
Price-to-income2.6x
Est. income to buy$34,000