Real Estate Investing in Moscow Mills, Missouri (63362)

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

Lincoln County • Population: 9,247 • Data updated: September 2026

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Should you buy in 63362 (Moscow Mills, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (67/100)

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
1 flag
  • High price-to-rent: Price-to-rent ratio 25.8 — 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 Moscow Mills, MO (63362)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $345,475
Avg Monthly Rent $1,116
1% Rule ✗ Does Not Meet
Median Income $83,916
% Renters 17.4%

Market Analysis: 63362 Moscow Mills

ZIP 63362 in Moscow Mills, MO carries a healthy set of headwinds. Home values near $345K and rents of $1,116/mo sit inside a market where underwriting has to be tight.

Looking more closely, the numbers look inviting — $345K purchase price, 0.0% nominal cap — the work to hit that pro forma in 63362 is substantial and deserves full respect.

On the rental side, 63362 offers a low basis, the region around Moscow Mills has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The demographic picture in 63362 includes headwinds that any investor should price in. Income distribution skews lower than Moscow Mills averages, and tenant stability requires active management.

Distressed ZIPs reward experience. healthy returns are possible in 63362, but they flow to investors who already understand how to operate in soft markets.

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 Moscow Mills:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
18/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+5.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,116/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 63362

Which property type performs best in this market?

Best for Cash Flow
2BR
3.7% cap rate
Best for Appreciation
2BR
+8.1% 5yr CAGR
Best Overall Value
4BR
$100,478/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $239,050 $1,240 3.7% +8.1% $119,525
3BR $330,715 $1,600 3.5% +6.9% $110,238
4BR $401,911 $1,840 3.3% +6.9% $100,478

Market Trends

Home Value History (with trend line)

$362K$318K$274K$229K$185K$140KJun 2008Jul 2017Jul 2026

📊 How Does 63362 Compare?

Metric 63362 Moscow Mills St. Louis, MO-IL Missouri
Home Value $345,475 $345,475 N/A $254,657
5-Year CAGR 4.7% 4.7% N/A 7.0%
Avg Rent $1,116 $1,116 N/A -
Cap Rate 2.5% 2.5% - -
💡 Why Invest in 63362? 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 63362 (Moscow Mills, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.5%
Low
5yr Growth
+4.7%
Moderate

📊 Market Snapshot

Home Value $345,475
Monthly Rent $1,116
Price-to-Rent 25.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.9%
Cap Rate 2.5%
5-Year IRR 7.2%

📈 Home Appreciation

1-Year +5.0% ▲
3-Year CAGR +3.1% ▲
5-Year CAGR +4.7% ▲
10-Year CAGR +6.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.5%). 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
6.2%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63362

Population: 9,247

💰 Median Household Income
$83,916
This area
$83,916
State
$62,768
USA
$74,580
🏠 Renter Occupied
17.4%
This area
17.4%
State
23.7%
USA
34.0%
💼 Unemployment Rate
3.8%
This area
3.8%
State
-8.1%
USA
3.7%
🎓 College Educated
17.0%
This area
17.0%
State
8.6%
USA
33.7%
👤 Median Age
32.2 years
This area
32.2 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
6.2%
This area
6.2%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 94.0%
Other/Mixed 3.4%
Black/African American 2.2%
Hispanic/Latino 1.3%
Asian 0.3%
👶 Under 18
26.8%
This area
26.8%
USA
22.0%
👴 65 and Over
8.1%
This area
8.1%
USA
17.3%
📊 Poverty Rate
9.6%
This area
9.6%
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 63362

B+ Avg School Grade
2 Schools
13.5:1 Avg Class Size
$12,472 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

TROY SOUTH MIDDLE SCHOOL

📚 06 – 08 Middle
👥
789 Students
👨‍🏫
13.8:1 Class Size
💰
$12,472 Per Student
B+ Above Average

WM. R. CAPPEL ELEM.

📚 K – 05 Elementary
👥
612 Students
👨‍🏫
13.3:1 Class Size
💰
$12,472 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

2 Nearby
C
Urshan College
514 students · 9.1 mi
C
Urshan Graduate School of Theology
120 students · 9.1 mi

Frequently Asked Questions

What do landlords charge for rent in Moscow Mills, MO?

Rent in Moscow Mills, MO is around $1,116/mo. The resulting rent-to-value relationship with $345K pricing is reasonable for most investor models.

Do rentals sit vacant long in Moscow Mills, MO?

Expect elevated vacancy in Moscow Mills, MO. Rents at $1,116/mo are absorbed by the tenant base without meaningful lag.

Is Moscow Mills, MO a good place for real estate investing?

Yes - Moscow Mills, MO a 3.0/5 investability score. With $345K home prices against $1,116/mo monthly rent, the market delivers a reasonable entry point for new investors.

How do experienced investors play Moscow Mills, MO?

The best-fit strategy in Moscow Mills, MO is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

Are homes affordable in Moscow Mills, MO?

Moscow Mills, MO home values average about $345K. That price point suits investors targeting rentals with $1,116/mo in monthly income.

You know 63362 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 63362 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 63362 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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