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Columbia city, MO

ZIP 65201 — 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 65201

Median Home Value
$229,300
Median Rent
$906
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,473/mo PITI).

24%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

21.1 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 65201 in Columbia city, MO, a household would need roughly $63,000 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 $1,473. That is about 36% above the local median household income ($46,177), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
32.5%-50% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
85.2%-2% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
35.3%-29% vs US avg
x
Mortgage-Free
36.6%-4% vs US avg
x
$229,300
Home Value
$906
Rent
1989
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached37.1%
  • 1-unit attached6.9%
  • 2-9 units25.2%
  • 10+ units27.6%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,300
Median rent$906
Owner-occupied32.5%
Vacant9.6%
Price-to-income5.0x
Est. income to buy$63,000