Missouri
Madison County
ZIP 63645
12,665 residents40 permits TTM$58,435 median HHI2 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$155,900
ACS 5-Year
Cap rate proxy
6.3%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.8%
HUD FMR ÷ ACS HHI
Net migration
+1.08%
IRS SOI
Permits (TTM)
40
Census BPS
Climate risk
50.9
FEMA NRI (0–100)
ZIP 63645
Median home value
$166,709
Gross yield
6.7%
Cap rate
5.9%
Rent gap
12.6%
Affordability
P/I: 2.9R/I: —
Section 8 detail
SAFMR: $935Rent: $817Gap: 14.4%
ZIP code breakdown2 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 63645 | $166,709 | $935 | 6.7% | 5.9% | 12.6% |
| 63655 | $205,265 | $935 | 5.5% | 4.8% | 12.6% |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
75.4%
Census ACS
Vacancy rate
21.3%
Census ACS
Bachelor's degree +
15.3%
Census ACS
Rent burdened
37.4%
Census ACS (>30% income)
Median age
41.4
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026