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Climax Springs CDP, MO

ZIP 65324 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 65324

Median Home Value
$262,100
Median Rent
$695
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,684/mo PITI).

12%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

31.4 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 65324 in Climax Springs CDP, MO, a household would need roughly $72,000 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 $1,684. That is roughly in line with the local median household income ($68,295). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 69% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.4%+37% vs US avg
x
Vacancy Rate
69.1%+571% vs US avg
x
Broadband Access
76.9%-12% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
39.0%+2% vs US avg
x
$262,100
Home Value
$695
Rent
1983
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached88.0%
  • 1-unit attached0.4%
  • 2-9 units1.1%
  • 10+ units2.0%
  • Mobile home & other8.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$262,100
Median rent$695
Owner-occupied89.4%
Vacant69.1%
Price-to-income3.8x
Est. income to buy$72,000