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Noel city, MO

ZIP 64854 — 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 64854

Median Home Value
$92,400
Median Rent
$581
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$594/mo PITI).

17%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.3 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 64854 in Noel city, MO, a household would need roughly $25,000 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 $594. That sits below the local median household income ($41,173), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
46.4%-29% vs US avg
x
Vacancy Rate
16.9%+64% vs US avg
x
Broadband Access
75.3%-13% vs US avg
x
4+ Bedrooms
3.3%-77% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.3%-93% vs US avg
x
Mortgage-Free
53.8%+41% vs US avg
x
$92,400
Home Value
$581
Rent
1980
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached58.9%
  • 1-unit attached0.8%
  • 2-9 units22.3%
  • 10+ units2.4%
  • Mobile home & other15.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$92,400
Median rent$581
Owner-occupied46.4%
Vacant16.9%
Price-to-income2.2x
Est. income to buy$25,000