US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 64744
  5. Housing & Real Estate
El Dorado Springs city, MO

ZIP 64744 — 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 64744

Median Home Value
$164,100
Median Rent
$492
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,054/mo PITI).

13%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.8 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 64744 in El Dorado Springs city, MO, a household would need roughly $45,000 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 $1,054. That is roughly in line with the local median household income ($44,362). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.3%+3% vs US avg
x
Vacancy Rate
13.4%+30% vs US avg
x
Broadband Access
83.0%-5% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
57.0%+49% vs US avg
x
$164,100
Home Value
$492
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 detached76.6%
  • 1-unit attached0.0%
  • 2-9 units6.5%
  • 10+ units1.2%
  • Mobile home & other15.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,100
Median rent$492
Owner-occupied67.3%
Vacant13.4%
Price-to-income3.7x
Est. income to buy$45,000