Real Estate Investing in Livonia, Missouri (63551)

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

Putnam County • Population: 280 • Data updated: September 2026

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Should you buy in 63551 (Livonia, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (73/100)

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 vacancy: 16.5% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Livonia, MO (63551)?

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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 $198,659
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $70,313
% Renters 0.0%

Market Analysis: 63551 Livonia

Not every below-median market is a bargain. Livonia's 63551 ZIP reflects signals that favor experienced operators who can absorb the risk $199K pricing implies.

Put differently, the numbers look inviting — $199K purchase price, 0.0% nominal cap — the work to hit that pro forma in 63551 is substantial and deserves full respect.

Nearby ZIPs in Livonia have seen price recovery that 63551 has not matched. Putnam County data supports the view that the spread is structural rather than temporary.

The demographic picture in 63551 includes headwinds that any investor should price in. Income distribution skews lower than Livonia averages, and tenant stability requires active management.

Strategy in 63551 is an operator game, not a passive one. On the rental side, entry prices of $199K are inviting, the management lift is real and non-optional.

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 Livonia:

B Good
Buy Confidence Score: 73/100
Affordability
20/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.8× the median income
Value Trend
Rising (+6.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/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

Market Trends

Home Value History (with trend line)

$213K$193K$172K$151K$131K$110KFeb 2016May 2021Jul 2026

📊 How Does 63551 Compare?

Metric 63551 Livonia Kirksville, MO Missouri
Home Value $198,659 $198,659 N/A $254,657
5-Year CAGR 7.5% 7.5% N/A 7.0%
Avg Rent $873 $873 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 63551? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 63551 (Livonia, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+7.5%
Strong

📉 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 $198,659
Monthly Rent $873
Price-to-Rent 19.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.3%
Cap Rate 3.4%
5-Year IRR 10.9%

📈 Home Appreciation

1-Year +6.8% ▲
3-Year CAGR +4.4% ▲
5-Year CAGR +7.5% ▲
10-Year CAGR +5.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
16.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.5%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 63551

Population: 280

💰 Median Household Income
$70,313
This area
$70,313
State
$62,768
USA
$74,580
🏠 Renter Occupied
0.0%
This area
0.0%
State
23.7%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-8.1%
USA
3.7%
🎓 College Educated
23.4%
This area
23.4%
State
8.6%
USA
33.7%
👤 Median Age
43.6 years
This area
43.6 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
16.5%
This area
16.5%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 88.3%
Other/Mixed 11.7%
👶 Under 18
22.4%
This area
22.4%
USA
22.0%
👴 65 and Over
17.3%
This area
17.3%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

Frequently Asked Questions

What do landlords charge for rent in Livonia, MO?

Rent in Livonia, MO is around $873/mo. The resulting rent-to-value relationship with $199K pricing is reasonable for most investor models.

Does Livonia, MO favor landlords or tenants?

Rental owners in Livonia, MO deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

What type of investing works in Livonia, MO?

A careful cash-flow rentals with hands-on management strategy Livonia, MO best. The market produces steady results for that approach at the $199K price point.

Can owner-occupants cash flow in Livonia, MO?

Livonia, MO is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $199K price point reasonable to enter.

Do rentals sit vacant long in Livonia, MO?

Expect elevated vacancy in Livonia, MO. Rents at $873/mo are absorbed by the tenant base without meaningful lag.

You know 63551 now. You don’t know where it ranks.

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How 63551 ranks in Kirksville, MO

Every ZIP in this metro, ranked. Free.

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