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Westphalia city, MO

ZIP 65085 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 65085

Median Home Value
$257,200
Median Rent
$513
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,652/mo PITI).

6%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

41.8 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 65085 in Westphalia city, MO, a household would need roughly $71,000 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 $1,652. That sits below the local median household income ($101,563), 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
89.3%+37% vs US avg
x
Vacancy Rate
19.0%+85% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
7.8%-47% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
4.3%-38% vs US avg
x
Rent Burden >30%
6.8%-86% vs US avg
x
Mortgage-Free
40.4%+6% vs US avg
x
$257,200
Home Value
$513
Rent
1976
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached91.4%
  • 1-unit attached0.0%
  • 2-9 units6.1%
  • 10+ units0.6%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$257,200
Median rent$513
Owner-occupied89.3%
Vacant19.0%
Price-to-income2.5x
Est. income to buy$71,000