Real Estate Investing in Valles Mines, Missouri (63087)

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

Saint Francois County • Population: 1,173 • Data updated: September 2026

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Should you buy in 63087 (Valles Mines, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
1 flag
  • High price-to-rent: Price-to-rent ratio 26.8 — 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 Valles Mines, MO (63087)?

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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 $285,964
Avg Monthly Rent $891
1% Rule ✗ Does Not Meet
Median Income $72,554
% Renters 15.7%

Market Analysis: 63087 Valles Mines

ZIP 63087 in Valles Mines, MO carries a sturdy set of headwinds. Home values near $286K and rents of $891/mo sit inside a market where underwriting has to be tight.

The 63087 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 63087 and stronger Valles Mines ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 63087 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 63087 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Valles Mines:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+4.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $891/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Farmington, MO Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very 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 Farmington, MO metro data

Market Trends

Home Value History (with trend line)

$304K$263K$222K$180K$139K$98KOct 2012Sep 2019Jul 2026

📊 How Does 63087 Compare?

Metric 63087 Valles Mines Farmington, MO Missouri
Home Value $285,964 $285,964 N/A $254,657
5-Year CAGR 5.2% 5.2% N/A 7.0%
Avg Rent $891 $891 N/A -
Cap Rate 2.4% 2.4% - -
💡 Why Invest in 63087? 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 63087 (Valles Mines, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+5.2%
Moderate

📉 Market Crash Risk Index

Based on Farmington, MO metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
58%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $285,964
Monthly Rent $891
Price-to-Rent 26.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.7%
Cap Rate 2.4%
5-Year IRR 7.6%

📈 Home Appreciation

1-Year +4.3% ▲
3-Year CAGR +3.8% ▲
5-Year CAGR +5.2% ▲
10-Year CAGR +7.1% ▲

🏠 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
0.0%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63087

Population: 1,173

💰 Median Household Income
$72,554
This area
$72,554
State
$62,768
USA
$74,580
🏠 Renter Occupied
15.7%
This area
15.7%
State
23.7%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-8.1%
USA
3.7%
🎓 College Educated
16.1%
This area
16.1%
State
8.6%
USA
33.7%
👤 Median Age
46.7 years
This area
46.7 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
0.0%
This area
0.0%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 94.1%
Other/Mixed 5.9%
Hispanic/Latino 5.3%
👶 Under 18
22.5%
This area
22.5%
USA
22.0%
👴 65 and Over
17.9%
This area
17.9%
USA
17.3%
📊 Poverty Rate
11.1%
This area
11.1%
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

🎓 Nearby Colleges & Universities

1 Nearby 585 Off-Campus Students
C
Mineral Area College
2,389 students · 11.4 mi

Investor Insight: With 585 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What kind of market is Valles Mines, MO for investors?

Our data puts Valles Mines, MO at 3.0/5 for investability. Home prices of $286K and rents around $891/mo create a solid backdrop for investor activity.

What is the typical vacancy rate in Valles Mines, MO?

Occupancy in Valles Mines, MO runs even-keeled with elevated vacancy. Well-priced units at $891/mo lease on reasonable timelines.

What is the average home sale price in Valles Mines, MO?

Expect median prices around $286K in Valles Mines, MO. The market has run at a 0.0% 5-year CAGR, so entry costs have been even-keeled.

How do landlord-tenant laws work in Valles Mines, MO?

MO ranks as a landlord-friendly state for landlord-tenant law. Valles Mines generally follows the statewide framework, so landlords face reasonable operating rules.

What are rental rates like in Valles Mines, MO?

Average rent in Valles Mines, MO is approximately $891/mo per month. Against $286K home values that yields a reasonable rent-to-price ratio.

You know 63087 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 63087 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 63087 ranks in Farmington, MO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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