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Cairo village, MO

ZIP 65239 — 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 65239

Median Home Value
$176,200
Median Rent
$575
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,132/mo PITI).

10%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.5 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 65239 in Cairo village, MO, a household would need roughly $49,000 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 $1,132. That sits below the local median household income ($71,992), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
96.7%+48% vs US avg
x
Vacancy Rate
12.4%+21% vs US avg
x
Broadband Access
94.5%+9% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
1.7%-86% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
34.8%-30% vs US avg
x
Mortgage-Free
58.4%+53% vs US avg
x
$176,200
Home Value
$575
Rent
1988
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached73.3%
  • 1-unit attached0.0%
  • 2-9 units1.2%
  • 10+ units0.0%
  • Mobile home & other25.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$176,200
Median rent$575
Owner-occupied96.7%
Vacant12.4%
Price-to-income2.4x
Est. income to buy$49,000