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Hartsburg town, MO

ZIP 65039 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 65039

Median Home Value
$408,600
Median Rent
$553
Affordability Snapshot
$112,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,625/mo PITI).

5%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

61.6 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 65039 in Hartsburg town, MO, a household would need roughly $112,000 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 $2,625. That is roughly in line with the local median household income ($121,364). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
96.5%+48% vs US avg
x
Vacancy Rate
4.9%-52% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
16.5%+12% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
34.7%-9% vs US avg
x
$408,600
Home Value
$553
Rent
1989
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached95.7%
  • 1-unit attached1.4%
  • 2-9 units1.6%
  • 10+ units0.0%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$408,600
Median rent$553
Owner-occupied96.5%
Vacant4.9%
Price-to-income3.4x
Est. income to buy$112,000