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Fulton city, MO

ZIP 65251 — 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 65251

Median Home Value
$172,200
Median Rent
$630
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,106/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.8 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 65251 in Fulton city, MO, a household would need roughly $47,000 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 $1,106. That sits below the local median household income ($63,750), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.0%+7% vs US avg
x
Vacancy Rate
11.2%+8% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
3.1%-75% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
18.6%-63% vs US avg
x
Mortgage-Free
39.1%+2% vs US avg
x
$172,200
Home Value
$630
Rent
1980
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 detached72.3%
  • 1-unit attached2.1%
  • 2-9 units13.8%
  • 10+ units1.7%
  • Mobile home & other10.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,200
Median rent$630
Owner-occupied70.0%
Vacant11.2%
Price-to-income2.7x
Est. income to buy$47,000