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Stockton city, MO

ZIP 65785 — 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 65785

Median Home Value
$161,600
Median Rent
$547
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,038/mo PITI).

14%
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.

24.6 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 65785 in Stockton city, MO, a household would need roughly $44,000 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 $1,038. That is roughly in line with the local median household income ($46,927). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.8%+21% vs US avg
x
Vacancy Rate
20.9%+103% vs US avg
x
Broadband Access
77.2%-11% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.6%-83% vs US avg
x
Mortgage-Free
52.8%+38% vs US avg
x
$161,600
Home Value
$547
Rent
1990
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached74.3%
  • 1-unit attached0.9%
  • 2-9 units3.3%
  • 10+ units2.3%
  • Mobile home & other19.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,600
Median rent$547
Owner-occupied78.8%
Vacant20.9%
Price-to-income3.4x
Est. income to buy$44,000