Real Estate Investing in Mineral Point, Missouri (63660)
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Should you buy in 63660 (Mineral Point, MO)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 16.9% of homes vacant — above national norms.
- Elevated poverty: 20.7% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Mineral Point, MO (63660)?
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Market Analysis: 63660 Mineral Point
Not every below-median market is a bargain. Mineral Point's 63660 ZIP stands at signals that favor experienced operators who can absorb the risk $168K pricing implies.
The 63660 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Meanwhile, 63660 offers a low basis, the region around Mineral Point has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
The 63660 ZIP's population of 3,489 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that shows the need for careful underwriting.
The 63660 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.
Here's what matters if you're considering buying a home in Mineral Point:
Market Trends
Home Value History (with trend line)
📊 How Does 63660 Compare?
| Metric | 63660 | Mineral Point | Missouri |
|---|---|---|---|
| Home Value | $168,413 | $168,413 | $254,657 |
| 5-Year CAGR | 4.1% | 4.1% | 7.0% |
| Avg Rent | $801 | $801 | - |
| Cap Rate | 3.7% | 3.7% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 63660 (Mineral Point, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $168,413 |
| Monthly Rent | $801 |
| Price-to-Rent | 17.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.7% |
| Cap Rate | 3.7% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +11.5% ▲ |
| 3-Year CAGR | +5.9% ▲ |
| 5-Year CAGR | +4.1% ▲ |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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.
Demographics in 63660
Population: 3,489
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
Investor Insight: With 585 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Do landlords face vacancy issues in Mineral Point, MO?
Expect elevated vacancy in Mineral Point, MO. Rents at $801/mo are absorbed by the tenant base without meaningful lag.
How much do tenants pay in Mineral Point, MO?
Expect rents around $801/mo per month in Mineral Point, MO. With home values at $168K, the yield math works out to reasonable levels for rental investors.
Which investment style suits Mineral Point, MO?
A careful cash-flow rentals with hands-on management strategy Mineral Point, MO best. The market produces even-keeled results for that approach at the $168K price point.
How strict are landlord regulations in Mineral Point, MO?
Mineral Point, MO operates under MO law, which is landlord-friendly overall for landlords. Expect predictable treatment in typical lease and eviction cases.
Should investors consider Mineral Point, MO?
With a 3.0/5 investability score, Mineral Point, MO ranks as a solid market for rental property investors. Median prices of $168K and rents of $801/mo drive the underlying numbers.
You know 63660 now. You don’t know where it ranks.
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