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Harris town, MO

ZIP 64645 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64645

Median Home Value
$47,000
Median Rent
$296
Affordability Snapshot
$13,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$302/mo PITI).

5%
Rent-to-Income Ratio

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

0.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.2 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 64645 in Harris town, MO, a household would need roughly $13,000 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 $302. That sits below the local median household income ($68,750), 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 44% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.2%+30% vs US avg
x
Vacancy Rate
44.1%+329% vs US avg
x
Broadband Access
63.0%-28% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
7.6%-41% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
69.6%+82% vs US avg
x
$47,000
Home Value
$296
Rent
1961
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached78.6%
  • 1-unit attached0.0%
  • 2-9 units7.6%
  • 10+ units0.0%
  • Mobile home & other13.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$47,000
Median rent$296
Owner-occupied85.2%
Vacant44.1%
Price-to-income0.7x
Est. income to buy$13,000