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Seneca city, MO

ZIP 64865 — 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 64865

Median Home Value
$188,500
Median Rent
$604
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,211/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

26.0 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 64865 in Seneca city, MO, a household would need roughly $52,000 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 $1,211. That sits below the local median household income ($60,886), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
12.2%+18% vs US avg
x
Broadband Access
81.6%-6% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
5.3%-58% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
17.6%-65% vs US avg
x
Mortgage-Free
45.8%+20% vs US avg
x
$188,500
Home Value
$604
Rent
1979
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached81.5%
  • 1-unit attached0.2%
  • 2-9 units1.9%
  • 10+ units0.0%
  • Mobile home & other16.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,500
Median rent$604
Owner-occupied80.9%
Vacant12.2%
Price-to-income3.1x
Est. income to buy$52,000