Real Estate Investing in Kirksville, Missouri (63501)

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

Adair County • Population: 21,129 • Data updated: September 2026

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Should you buy in 63501 (Kirksville, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

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 vacancy: 20.6% of homes vacant — above national norms.

What’s happening in Kirksville, MO (63501)?

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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 $184,185
Avg Monthly Rent $716
1% Rule ✗ Does Not Meet
Median Income $48,157
% Renters 43.5%

Market Analysis: 63501 Kirksville

ZIP 63501 inside Adair County looks affordable on the surface — median value of $184K — but the discount exists for reasons that a careful buyer should understand before committing.

Rent of $716/mo on a $184K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 63501 sits below the stated 0.0% once reality is priced in.

In the broader MO picture, 63501 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Who lives in 63501 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 63501 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 Kirksville:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
18/25
Stability
13/20
Timing
6/15
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 $716/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
Kirksville, MO Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.7%
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 Kirksville, MO metro data
🏠

Property Strategy for 63501

Which property type performs best in this market?

Best for Cash Flow
1BR
6.4% cap rate
Best for Appreciation
3BR
+6.5% 5yr CAGR
Best Overall Value
2BR
$53,146/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $79,897 $710 6.4% +3.1% $79,897
2BR $106,292 $890 6.0% +4.9% $53,146
3BR $176,760 $1,240 5.1% +6.5% $58,920
4BR $248,560 $1,490 4.3% +6.2% $62,140
5BR $326,883 +6.1% $65,377

Market Trends

Home Value History (with trend line)

$191K$171K$151K$131K$111K$91KJan 2012May 2019Jul 2026

Rent History (with trend line)

$978$921$865$809$753$696Aug 2023Jan 2025Jun 2026

📊 How Does 63501 Compare?

Metric 63501 Kirksville Kirksville, MO Missouri
Home Value $184,185 $184,185 N/A $254,657
5-Year CAGR 4.2% 4.2% N/A 7.0%
Avg Rent $716 $716 N/A -
Cap Rate 3.0% 3.0% - -
💡 Why Invest in 63501? Click to expand

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

A healthy rental market with 44% renter-occupied households ensures tenant availability.

📊 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 63501 (Kirksville, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.0%
Low
5yr Growth
+4.2%
Moderate

📉 Market Crash Risk Index

Based on Kirksville, MO metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $184,185
Monthly Rent $716
Price-to-Rent 21.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.0%
5-Year IRR 7.2%

📈 Home Appreciation

1-Year +6.8% ▲
3-Year CAGR +4.1% ▲
5-Year CAGR +4.2% ▲
10-Year CAGR +4.7% ▲

🏠 Rent Trends

1-Year -15.2% ▼
3-Year CAGR -3.1% ▼
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). 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
20.6%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63501

Population: 21,129

💰 Median Household Income
$48,157
This area
$48,157
State
$62,768
USA
$74,580
🏠 Renter Occupied
43.5%
This area
43.5%
State
23.7%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-8.1%
USA
3.7%
🎓 College Educated
37.4%
This area
37.4%
State
8.6%
USA
33.7%
👤 Median Age
26.8 years
This area
26.8 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
20.6%
This area
20.6%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 88.7%
Black/African American 4.9%
Other/Mixed 4.1%
Asian 2.2%
Hispanic/Latino 1.3%
👶 Under 18
17.3%
This area
17.3%
USA
22.0%
👴 65 and Over
14.3%
This area
14.3%
USA
17.3%
📊 Poverty Rate
7.8%
This area
7.8%
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 63501

B Avg School Grade
5 Schools
13.0:1 Avg Class Size
$12,425 Avg Per Pupil

Schools in This ZIP Code

A Very Good

KIRKSVILLE PRIMARY

📚 Pre-K – 02 Elementary
👥
727 Students
👨‍🏫
11.1:1 Class Size
💰
$12,425 Per Student
A Very Good

RAY MILLER ELEM.

📚 03 – 05 Elementary
👥
496 Students
👨‍🏫
10.8:1 Class Size
💰
$12,425 Per Student
B+ Above Average

WILLIAM MATTHEW MIDDLE SCHOOL

📚 06 – 08 Middle
👥
548 Students
👨‍🏫
13.0:1 Class Size
💰
$12,425 Per Student
B Good

KIRKSVILLE SR. HIGH

📚 09 – 12 High School
👥
763 Students
👨‍🏫
16.9:1 Class Size
💰
$12,425 Per Student
C+ Average

KIRKSVILLE AREA TECH. CTR.

📚 09 – 12 High School Limited Data
💰
$12,425 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

3 Nearby 15 Off-Campus Students
B
Truman State University
3,636 students · 1.5 mi
C
A T Still University of Health Sciences
3,629 students · 1.8 mi
B
Kirksville Area Technical Center
21 students · 1.9 mi

Frequently Asked Questions

What is the typical home price in Kirksville, MO?

In Kirksville, MO the median home value sits at $184K. Against the broader MO market, that reads as reasonable for most investors.

Are renters plentiful in Kirksville, MO?

Working renters make up the core of the Kirksville, MO tenant base. The pool is reasonable for investors targeting long-term holds.

Does house hacking make sense in Kirksville, MO?

House hacking in Kirksville, MO is reasonable to execute. Prices around $184K and rents of $716/mo solid owner-occupant economics.

How do landlord-tenant laws work in Kirksville, MO?

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

How tight is the rental market in Kirksville, MO?

Vacancy risk in Kirksville, MO is elevated. That supports reliable cash flow for typical rental holds.

You know 63501 now. You don’t know where it ranks.

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How 63501 ranks in Kirksville, MO

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