US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 65656
  5. Housing & Real Estate
Galena city, MO

ZIP 65656 — 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 65656

Median Home Value
$229,000
Median Rent
$547
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,471/mo PITI).

10%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

34.9 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 65656 in Galena city, MO, a household would need roughly $63,000 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 $1,471. That is roughly in line with the local median household income ($64,505). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.1%+29% vs US avg
x
Vacancy Rate
26.5%+157% vs US avg
x
Broadband Access
88.3%+1% vs US avg
x
4+ Bedrooms
4.7%-69% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
5.7%-88% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$229,000
Home Value
$547
Rent
1984
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 detached85.3%
  • 1-unit attached0.4%
  • 2-9 units0.3%
  • 10+ units0.7%
  • Mobile home & other13.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,000
Median rent$547
Owner-occupied84.1%
Vacant26.5%
Price-to-income3.6x
Est. income to buy$63,000