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Ashland city, MO

ZIP 65010 — 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 65010

Median Home Value
$274,100
Median Rent
$815
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,761/mo PITI).

11%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.0 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 65010 in Ashland city, MO, a household would need roughly $75,000 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 $1,761. That sits below the local median household income ($93,025), 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
74.5%+14% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
6.6%-55% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
3.5%-49% vs US avg
x
Rent Burden >30%
16.5%-67% vs US avg
x
Mortgage-Free
32.9%-14% vs US avg
x
$274,100
Home Value
$815
Rent
1999
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached79.9%
  • 1-unit attached3.8%
  • 2-9 units11.7%
  • 10+ units0.9%
  • Mobile home & other3.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$274,100
Median rent$815
Owner-occupied74.5%
Vacant3.4%
Price-to-income2.9x
Est. income to buy$75,000