Real Estate Investing in Cainsville, Missouri (64632)

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

Mercer County • Population: 401 • Data updated: September 2026

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Should you buy in 64632 (Cainsville, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (64/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

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

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 43.6% of homes vacant — above national norms.
  • 1-year downturn: Values declined 3.2% in the last year.

• 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 Cainsville, MO (64632)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $157,258
Avg Monthly Rent $909
1% Rule ✗ Does Not Meet
Median Income $51,563
% Renters 12.9%

Market Analysis: 64632 Cainsville

The 64632 ZIP in Cainsville, MO is a local-operator market. Outside capital chasing a $157K entry has to pair deep knowledge with the discount.

Meanwhile, the numbers look inviting — $157K purchase price, 0.0% nominal cap — the work to hit that pro forma in 64632 is substantial and deserves full respect.

The gap between 64632 and stronger Cainsville ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Looking more closely, 401 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Strategy in 64632 is an operator game, not a passive one. From an investor standpoint, entry prices of $157K 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 Cainsville:

B Good
Buy Confidence Score: 72/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 3× the median income
Value Trend
Declining (-3.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $909/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)

$172K$152K$132K$113K$93K$73KFeb 2017Nov 2021Jul 2026

📊 How Does 64632 Compare?

Metric 64632 Cainsville Missouri
Home Value $157,258 $157,258 $254,657
5-Year CAGR 5.1% 5.1% 7.0%
Avg Rent $909 $909 -
Cap Rate 4.5% 4.5% -
💡 Why Invest in 64632? 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 64632 (Cainsville, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+5.1%
Moderate

📊 Market Snapshot

Home Value $157,258
Monthly Rent $909
Price-to-Rent 14.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.9%
Cap Rate 4.5%
5-Year IRR 9.6%

📈 Home Appreciation

1-Year -3.2% ▼
3-Year CAGR +2.0% ▲
5-Year CAGR +5.1% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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.

Vacancy
43.6%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 64632

Population: 401

💰 Median Household Income
$51,563
This area
$51,563
State
$62,768
USA
$74,580
🏠 Renter Occupied
12.9%
This area
12.9%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-8.1%
USA
3.7%
🎓 College Educated
4.4%
This area
4.4%
State
8.6%
USA
33.7%
👤 Median Age
57.0 years
This area
57.0 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
43.6%
This area
43.6%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 97.7%
Other/Mixed 2.3%
👶 Under 18
19.7%
This area
19.7%
USA
22.0%
👴 65 and Over
38.2%
This area
38.2%
USA
17.3%
📊 Poverty Rate
7.5%
This area
7.5%
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 64632

B+ Avg School Grade
2 Schools
5.1:1 Avg Class Size
$14,413 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

CAINSVILLE ELEM.

📚 Pre-K – 05 Elementary
👥
31 Students
👨‍🏫
4.5:1 Class Size
💰
$14,413 Per Student
B+ Above Average

CAINSVILLE HIGH

📚 06 – 12 High School
👥
43 Students
👨‍🏫
5.7:1 Class Size
💰
$14,413 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

1 Nearby
C
Graceland University-Lamoni
1,195 students · 13.0 mi

Frequently Asked Questions

How quickly do rentals get leased in Cainsville, MO?

Cainsville, MO carries elevated vacancy risk. Expect stable absorption at market rents of $909/mo.

How do home values compare in Cainsville, MO?

Homes in Cainsville, MO typically sell near $157K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.

Is Cainsville, MO a smart market for rental property?

The 3.0/5 investability rating in Cainsville, MO reflects its $157K prices and $909/mo rents. Investors generally consider it a solid option within MO.

Is MO a landlord-friendly state?

The landlord environment in Cainsville, MO is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

What real estate strategy is ideal for Cainsville, MO?

For Cainsville, MO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

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