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Martinsburg town, MO

ZIP 65264 — 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 65264

Median Home Value
$87,800
Median Rent
$398
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$564/mo PITI).

12%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.4 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 65264 in Martinsburg town, MO, a household would need roughly $24,000 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 $564. That sits below the local median household income ($39,063), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.6%+39% vs US avg
x
Vacancy Rate
13.0%+26% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
1.0%-94% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.9%-88% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$87,800
Home Value
$398
Rent
1981
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 detached61.0%
  • 1-unit attached0.0%
  • 2-9 units6.5%
  • 10+ units0.0%
  • Mobile home & other32.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$87,800
Median rent$398
Owner-occupied90.6%
Vacant13.0%
Price-to-income2.2x
Est. income to buy$24,000