Real Estate Investing in Bloomfield, Missouri (63825)

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

Stoddard County • Population: 4,213 • Data updated: September 2026

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Should you buy in 63825 (Bloomfield, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (51/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 22.1% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (1.0% CAGR).

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Bloomfield, MO (63825)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $150,844
Avg Monthly Rent $810
1% Rule ✗ Does Not Meet
Median Income $48,480
% Renters 25.1%

Market Analysis: 63825 Bloomfield

Investors eyeing 63825 need to respect the fundamentals at play. Home values of $151K come alongside slower price movement and elevated management overhead.

Distressed markets are won on execution, not on spreadsheets. ZIP 63825 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Statewide comparisons place 63825 among MO's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

A solid renter share of 25% in 63825 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

New investors are better served looking at Bloomfield's stable or hybrid ZIPs before stepping into 63825. The learning curve here is expensive when the lesson is wrong.

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 Bloomfield:

C+ Average
Buy Confidence Score: 64/100
Affordability
20/25
Appreciation
14/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.1× the median income
Value Trend
Rising (+14.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $810/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.

Market Trends

Home Value History (with trend line)

$157K$148K$138K$129K$119K$110KFeb 2016May 2021Jul 2026

📊 How Does 63825 Compare?

Metric 63825 Bloomfield Missouri
Home Value $150,844 $150,844 $254,657
5-Year CAGR 1.0% 1.0% 7.0%
Avg Rent $810 $810 -
Cap Rate 4.2% 4.2% -
💡 Why Invest in 63825? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 63825 (Bloomfield, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.2%
Fair
5yr Growth
+1.0%
Slow

📊 Market Snapshot

Home Value $150,844
Monthly Rent $810
Price-to-Rent 15.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.4%
Cap Rate 4.2%
5-Year IRR 5.2%

📈 Home Appreciation

1-Year +14.2% ▲
3-Year CAGR +1.9% ▲
5-Year CAGR +1.0% ▲
10-Year CAGR +2.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.2%). 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
22.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+1.0%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 63825

Population: 4,213

💰 Median Household Income
$48,480
This area
$48,480
State
$62,768
USA
$74,580
🏠 Renter Occupied
25.1%
This area
25.1%
State
23.7%
USA
34.0%
💼 Unemployment Rate
4.0%
This area
4.0%
State
-8.1%
USA
3.7%
🎓 College Educated
12.7%
This area
12.7%
State
8.6%
USA
33.7%
👤 Median Age
41.9 years
This area
41.9 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
22.1%
This area
22.1%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 97.5%
Other/Mixed 2.2%
Hispanic/Latino 0.5%
Black/African American 0.3%
👶 Under 18
21.6%
This area
21.6%
USA
22.0%
👴 65 and Over
21.9%
This area
21.9%
USA
17.3%
📊 Poverty Rate
13.6%
This area
13.6%
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 63825

B Avg School Grade
4 Schools
12.8:1 Avg Class Size
$11,113 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

BLOOMFIELD HIGH

📚 09 – 12 High School
👥
168 Students
👨‍🏫
11.1:1 Class Size
💰
$11,113 Per Student
B+ Above Average

BLOOMFIELD ELEM.

📚 Pre-K – 04 Elementary
👥
259 Students
👨‍🏫
13.4:1 Class Size
💰
$11,113 Per Student
B Good

BLOOMFIELD MIDDLE

📚 05 – 08 School
👥
188 Students
👨‍🏫
14.6:1 Class Size
💰
$11,113 Per Student
C+ Average

JUVENILE CTR.

📚 02 – 12 High School
👥
12 Students
👨‍🏫
12.0:1 Class Size
💰
$11,113 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.

Frequently Asked Questions

How viable is house hacking in Bloomfield, MO?

The house hack math a challenging in Bloomfield, MO. Owner-occupant buyers benefit from the $810/mo rents and $151K home values.

How strong is tenant demand in Bloomfield, MO?

Bloomfield, MO draws a predictable base of working renters. Demand at the $810/mo rent level is reasonable for standard single-family and small multi rentals.

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

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

Which real estate strategy fits Bloomfield, MO?

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

How much does a house cost in Bloomfield, MO?

Homes in Bloomfield, MO typically sell near $151K. Prices have moved at a 0.0% 5-year CAGR, which reliable long-term demand.

You know 63825 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 63825 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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