Real Estate Investing in Holden, Missouri (64040)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 64040 (Holden, 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: 12.8% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 26.2 — 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 Holden, MO (64040)?
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Market Analysis: 64040 Holden
The 64040 ZIP covers a section of Holden that demands careful diligence. Prices near $292K look accessible, but the work to make a deal cash flow is real.
From an investor standpoint, the numbers look inviting — $292K purchase price, 0.0% nominal cap — the work to hit that pro forma in 64040 is substantial and deserves full respect.
Nearby ZIPs in Holden have seen price recovery that 64040 has not matched. Johnson data supports the view that the spread is structural rather than temporary.
The demographic picture in 64040 includes headwinds that any investor should price in. Income distribution skews lower than Holden averages, and tenant stability requires active management.
Distressed ZIPs reward experience. sturdy returns are possible in 64040, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Holden:
Property Strategy for 64040
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $160,977 | $1,030 | 4.6% | +6.3% | $80,489 |
| 3BR | $281,736 | $1,350 | 3.5% | +9.4% | $93,912 |
| 4BR | $354,916 | $1,570 | 3.2% | +8.4% | $88,729 |
Market Trends
Home Value History (with trend line)
📊 How Does 64040 Compare?
| Metric | 64040 | Holden | Missouri |
|---|---|---|---|
| Home Value | $291,582 | $291,582 | $254,657 |
| 5-Year CAGR | 6.1% | 6.1% | 7.0% |
| Avg Rent | $927 | $927 | - |
| Cap Rate | 2.5% | 2.5% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 64040 (Holden, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $291,582 |
| Monthly Rent | $927 |
| Price-to-Rent | 26.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.8% |
| Cap Rate | 2.5% |
| 5-Year IRR | 8.6% |
📈 Home Appreciation
| 1-Year | +10.4% ▲ |
| 3-Year CAGR | +5.5% ▲ |
| 5-Year CAGR | +6.1% ▲ |
| 10-Year CAGR | +8.7% ▲ |
🏠 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 (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.
Demographics in 64040
Population: 5,968
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 64040
Schools in This ZIP Code
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
Frequently Asked Questions
Is Holden, MO better for rentals, flips, or BRRRR?
For Holden, MO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
What is the median home value in Holden, MO?
Expect median prices around $292K in Holden, MO. The market has run at a 0.0% 5-year CAGR, so entry costs have been even-keeled.
Do landlords face vacancy issues in Holden, MO?
Expect elevated vacancy in Holden, MO. Rents at $927/mo are absorbed by the tenant base without meaningful lag.
Does house hacking work in Holden, MO?
House hacking in Holden, MO is reasonable to execute. Prices around $292K and rents of $927/mo solid owner-occupant economics.
Are rents high in Holden, MO?
Rents in Holden, MO run near $927/mo. Compared with median home prices of $292K that produces solid gross yields for typical rentals.
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