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Rolla city, MO

ZIP 65401 — 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 65401

Median Home Value
$206,500
Median Rent
$584
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,327/mo PITI).

13%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

29.5 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 65401 in Rolla city, MO, a household would need roughly $57,000 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 $1,327. That is roughly in line with the local median household income ($52,768). 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
56.1%-14% vs US avg
x
Vacancy Rate
11.1%+8% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
4.3%-67% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
48.0%+26% vs US avg
x
$206,500
Home Value
$584
Rent
1985
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached59.4%
  • 1-unit attached2.6%
  • 2-9 units21.5%
  • 10+ units9.5%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$206,500
Median rent$584
Owner-occupied56.1%
Vacant11.1%
Price-to-income3.9x
Est. income to buy$57,000