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St. James city, MO

ZIP 65559 — 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 65559

Median Home Value
$194,600
Median Rent
$549
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,250/mo PITI).

11%
Rent-to-Income Ratio

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

3.3x
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 65559 in St. James city, MO, a household would need roughly $54,000 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 $1,250. That is roughly in line with the local median household income ($58,641). 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
74.4%+14% vs US avg
x
Vacancy Rate
12.5%+21% vs US avg
x
Broadband Access
90.6%+4% vs US avg
x
4+ Bedrooms
8.2%-45% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
16.3%-67% vs US avg
x
Mortgage-Free
43.6%+14% vs US avg
x
$194,600
Home Value
$549
Rent
1982
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 detached72.5%
  • 1-unit attached2.8%
  • 2-9 units13.4%
  • 10+ units2.2%
  • Mobile home & other9.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$194,600
Median rent$549
Owner-occupied74.4%
Vacant12.5%
Price-to-income3.3x
Est. income to buy$54,000