Real Estate Investing in Hillsboro, Missouri (63050)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Jefferson County • Population: 17,681 • Data updated: September 2026

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Should you buy in 63050 (Hillsboro, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (62/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 10.3% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 27.4 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Hillsboro, MO (63050)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $321,948
Avg Monthly Rent $981
1% Rule ✗ Does Not Meet
Median Income $85,194
% Renters 18.2%

Market Analysis: 63050 Hillsboro

The 63050 ZIP in Hillsboro, MO is a local-operator market. Outside capital chasing a $322K entry has to pair deep knowledge with the discount.

For an experienced owner, 63050 can be a a viable market for hunting ground — but the discount at $322K reflects genuine risk that outside investors often underestimate.

In the broader MO picture, 63050 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

A robust renter share of 18% in 63050 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The 63050 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Hillsboro:

B Good
Buy Confidence Score: 71/100
Affordability
15/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+6.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $981/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
St. Louis, MO-IL Metro Area
Even conditions for buyers and sellers
30 days
Average time to sell
Fast
11.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from St. Louis, MO-IL metro data
🏠

Property Strategy for 63050

Which property type performs best in this market?

Best for Cash Flow
2BR
3.6% cap rate
Best for Appreciation
2BR
+8.0% 5yr CAGR
Best Overall Value
4BR
$95,224/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $217,818 $1,090 3.6% +8.0% $108,909
3BR $301,160 $1,400 3.3% +7.8% $100,387
4BR $380,898 $1,620 3.1% +7.6% $95,224

Market Trends

Home Value History (with trend line)

$339K$300K$261K$221K$182K$143KJul 2006Jul 2016Jul 2026

📊 How Does 63050 Compare?

Metric 63050 Hillsboro St. Louis, MO-IL Missouri
Home Value $321,948 $321,948 N/A $254,657
5-Year CAGR 5.0% 5.0% N/A 7.0%
Avg Rent $981 $981 N/A -
Cap Rate 2.4% 2.4% - -
💡 Why Invest in 63050? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 63050 (Hillsboro, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+5.0%
Moderate

📊 Market Snapshot

Home Value $321,948
Monthly Rent $981
Price-to-Rent 27.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.7%
Cap Rate 2.4%
5-Year IRR 7.4%

📈 Home Appreciation

1-Year +6.8% ▲
3-Year CAGR +4.9% ▲
5-Year CAGR +5.0% ▲
10-Year CAGR +5.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
10.3%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.0%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63050

Population: 17,681

💰 Median Household Income
$85,194
This area
$85,194
State
$62,768
USA
$74,580
🏠 Renter Occupied
18.2%
This area
18.2%
State
23.7%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-8.1%
USA
3.7%
🎓 College Educated
19.4%
This area
19.4%
State
8.6%
USA
33.7%
👤 Median Age
41.2 years
This area
41.2 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
10.3%
This area
10.3%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 93.0%
Other/Mixed 5.9%
Hispanic/Latino 5.0%
Black/African American 0.6%
Asian 0.4%
👶 Under 18
23.6%
This area
23.6%
USA
22.0%
👴 65 and Over
18.1%
This area
18.1%
USA
17.3%
📊 Poverty Rate
6.7%
This area
6.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 63050

B Avg School Grade
13 Schools
13.5:1 Avg Class Size
$12,094 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

GRANDVIEW ELEM.

📚 Pre-K – 04 Elementary
👥
227 Students
👨‍🏫
9.8:1 Class Size
💰
$13,536 Per Student
B+ Above Average

HILLSBORO PRIMARY

📚 K – 02 Elementary
👥
681 Students
👨‍🏫
14.2:1 Class Size
💰
$11,133 Per Student
B+ Above Average

GRANDVIEW MIDDLE

📚 05 – 08 School
👥
152 Students
👨‍🏫
11.6:1 Class Size
💰
$13,536 Per Student
B+ Above Average

GRANDVIEW HIGH

📚 09 – 12 High School
👥
236 Students
👨‍🏫
13.7:1 Class Size
💰
$13,536 Per Student
B Good

HILLSBORO ELEM.

📚 03 – 04 Elementary
👥
467 Students
👨‍🏫
15.1:1 Class Size
💰
$11,133 Per Student
B Good

HILLSBORO JR. HIGH

📚 07 – 08 Middle
👥
500 Students
👨‍🏫
16.1:1 Class Size
💰
$11,133 Per Student
B Good

HILLSBORO MIDDLE ELEM.

📚 05 – 06 School
👥
447 Students
👨‍🏫
15.2:1 Class Size
💰
$11,133 Per Student
B Good

HILLSBORO HIGH

📚 09 – 12 High School
👥
1,124 Students
👨‍🏫
16.6:1 Class Size
💰
$11,133 Per Student
B Good

NEW DAY - DAY TREATMENT

📚 06 – 12 High School
👥
24 Students
👨‍🏫
12.0:1 Class Size
C+ Average

JUVENILE DETENTION CTR.

📚 01 – 12 K-12
👥
11 Students
👨‍🏫
11.0:1 Class Size
💰
$11,133 Per Student
C Below Average

HILLSBORO TREATMENT CTR.

📚 06 – 12 High School Limited Data
C Below Average

JEFFERSON COLLEGE

📚 10 – 12 High School Limited Data
C Below Average

Missouri Virtual Academy

📚 K – 12 K-12
👥
2,652 Students
💰
$13,536 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

1 Nearby 610 Off-Campus Students
C
Jefferson College
3,769 students · 0.9 mi

Investor Insight: With 610 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How much rent can I charge in Hillsboro, MO?

Hillsboro, MO rentals go for roughly $981/mo a month. That puts gross yield in solid territory relative to $322K acquisition costs.

How much does a house cost in Hillsboro, MO?

In Hillsboro, MO the median home value sits at $322K. Against the broader MO market, that reads as reasonable for most investors.

Do rentals sit vacant long in Hillsboro, MO?

Expect elevated vacancy in Hillsboro, MO. Rents at $981/mo are absorbed by the tenant base without meaningful lag.

What is the renter demographic in Hillsboro, MO?

Tenant quality in Hillsboro, MO ranks as solid. Landlords generally report consistent occupancy at market rents of $981/mo.

Is Hillsboro, MO a smart market for rental property?

The 3.0/5 investability rating in Hillsboro, MO reflects its $322K prices and $981/mo rents. Investors generally consider it a solid option within MO.

You know 63050 now. You don’t know where it ranks.

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How 63050 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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