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Kimberling City city, MO

ZIP 65686 — 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 65686

Median Home Value
$247,300
Median Rent
$754
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,589/mo PITI).

16%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

27.3 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 65686 in Kimberling City city, MO, a household would need roughly $68,000 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 $1,589. That is about 20% above the local median household income ($56,644), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 39% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.0%+27% vs US avg
x
Vacancy Rate
39.5%+283% vs US avg
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
7.3%-50% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
28.3%-43% vs US avg
x
Mortgage-Free
59.1%+55% vs US avg
x
$247,300
Home Value
$754
Rent
1990
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached65.2%
  • 1-unit attached6.1%
  • 2-9 units13.6%
  • 10+ units5.7%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$247,300
Median rent$754
Owner-occupied83.0%
Vacant39.5%
Price-to-income4.4x
Est. income to buy$68,000