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Humphreys village, MO

ZIP 64646 — 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 64646

Median Home Value
$87,500
Median Rent
$325
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$562/mo PITI).

6%
Rent-to-Income Ratio

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

1.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.4 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 64646 in Humphreys village, MO, a household would need roughly $24,000 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 $562. That sits below the local median household income ($67,188), 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 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.8%+28% vs US avg
x
Vacancy Rate
26.1%+154% vs US avg
x
Broadband Access
75.8%-13% vs US avg
x
4+ Bedrooms
6.7%-55% vs US avg
x
Built Pre-1939
11.2%-13% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
18.8%-62% vs US avg
x
Mortgage-Free
68.7%+80% vs US avg
x
$87,500
Home Value
$325
Rent
1973
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached73.1%
  • 1-unit attached0.0%
  • 2-9 units11.2%
  • 10+ units0.0%
  • Mobile home & other15.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$87,500
Median rent$325
Owner-occupied83.8%
Vacant26.1%
Price-to-income1.3x
Est. income to buy$24,000