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Freeman city, MO

ZIP 64746 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64746

Median Home Value
$197,600
Median Rent
$631
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,269/mo PITI).

10%
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.

26.1 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 64746 in Freeman city, MO, a household would need roughly $54,000 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 $1,269. That sits below the local median household income ($77,270), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
7.5%-28% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
5.2%-25% vs US avg
x
Rent Burden >30%
7.4%-85% vs US avg
x
Mortgage-Free
29.3%-23% vs US avg
x
$197,600
Home Value
$631
Rent
1979
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached92.6%
  • 1-unit attached2.3%
  • 2-9 units4.0%
  • 10+ units0.0%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,600
Median rent$631
Owner-occupied82.3%
Vacant7.5%
Price-to-income2.6x
Est. income to buy$54,000