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Wheaton city, MO

ZIP 64874 — 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 64874

Median Home Value
$99,100
Median Rent
$289
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$637/mo PITI).

10%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.6 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 64874 in Wheaton city, MO, a household would need roughly $27,000 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 $637. That sits below the local median household income ($36,250), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.1%-5% vs US avg
x
Vacancy Rate
18.7%+81% vs US avg
x
Broadband Access
81.0%-7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.6%-85% vs US avg
x
Mortgage-Free
25.0%-35% vs US avg
x
$99,100
Home Value
$289
Rent
1972
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 detached54.7%
  • 1-unit attached0.5%
  • 2-9 units21.0%
  • 10+ units0.0%
  • Mobile home & other23.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$99,100
Median rent$289
Owner-occupied62.1%
Vacant18.7%
Price-to-income2.7x
Est. income to buy$27,000