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Mount Vernon city, MO

ZIP 65712 — 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 65712

Median Home Value
$208,000
Median Rent
$480
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,336/mo PITI).

9%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

36.1 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 65712 in Mount Vernon 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 $1,336. That is roughly in line with the local median household income ($61,832). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
74.2%+13% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
5.0%-67% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
2.4%-66% vs US avg
x
Rent Burden >30%
7.3%-85% vs US avg
x
Mortgage-Free
40.3%+5% vs US avg
x
$208,000
Home Value
$480
Rent
1987
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached84.6%
  • 1-unit attached1.3%
  • 2-9 units3.8%
  • 10+ units3.1%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,000
Median rent$480
Owner-occupied74.2%
Vacant9.9%
Price-to-income3.4x
Est. income to buy$57,000