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Mercer town, MO

ZIP 64661 — 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 64661

Median Home Value
$80,000
Median Rent
$390
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$514/mo PITI).

9%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.1 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 64661 in Mercer town, MO, a household would need roughly $22,000 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 $514. That sits below the local median household income ($53,929), 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
71.5%+9% vs US avg
x
Vacancy Rate
30.7%+198% vs US avg
x
Broadband Access
80.7%-7% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
11.1%-78% vs US avg
x
Mortgage-Free
54.4%+42% vs US avg
x
$80,000
Home Value
$390
Rent
1967
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached81.4%
  • 1-unit attached0.9%
  • 2-9 units9.2%
  • 10+ units1.5%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$80,000
Median rent$390
Owner-occupied71.5%
Vacant30.7%
Price-to-income1.5x
Est. income to buy$22,000