Real Estate Investing in Cosby, Missouri (64436)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 64436 (Cosby, MO)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 8.3% vacancy may signal weakening demand.
- Higher unemployment: 8.3% unemployment — tenant risk signal.
• 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 Cosby, MO (64436)?
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Market Analysis: 64436 Cosby
ZIP 64436 inside Andrew County looks affordable on the surface — median value of $350K — but the discount exists for reasons that a careful buyer should understand before committing.
Meanwhile, the numbers look inviting — $350K purchase price, 0.0% nominal cap — the work to hit that pro forma in 64436 is substantial and deserves full respect.
Nearby ZIPs in Cosby have seen price recovery that 64436 has not matched. Andrew County data supports the view that the spread is structural rather than temporary.
Resident income in 64436 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Cosby:
Market Trends
Home Value History (with trend line)
📊 How Does 64436 Compare?
| Metric | 64436 | Cosby | St. Joseph, MO-KS | Missouri |
|---|---|---|---|---|
| Home Value | $349,913 | $349,913 | N/A | $254,657 |
| 5-Year CAGR | 7.3% | 7.3% | N/A | 7.0% |
| Avg Rent | $1,458 | $1,458 | N/A | - |
| Cap Rate | 3.3% | 3.3% | - | - |
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 64436 (Cosby, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $349,913 |
| Monthly Rent | $1,458 |
| Price-to-Rent | 20.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.0% |
| Cap Rate | 3.3% |
| 5-Year IRR | 10.6% |
📈 Home Appreciation
| 1-Year | +5.6% ▲ |
| 3-Year CAGR | +6.1% ▲ |
| 5-Year CAGR | +7.3% ▲ |
| 10-Year CAGR | +7.0% ▲ |
🏠 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 (3.3%). 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 64436
Population: 965
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 64436
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
Investor Insight: With 580 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What kind of market is Cosby, MO for investors?
Our data puts Cosby, MO at 3.0/5 for investability. Home prices of $350K and rents around $1,458/mo create a solid backdrop for investor activity.
What do landlords charge for rent in Cosby, MO?
Expect rents around $1,458/mo per month in Cosby, MO. With home values at $350K, the yield math works out to reasonable levels for rental investors.
Should investors worry about vacancy in Cosby, MO?
Cosby, MO sees elevated vacancy, which is reasonable relative to the broader MO rental market.
How do experienced investors play Cosby, MO?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Cosby, MO. The numbers - $350K homes against $1,458/mo rents - support that play.
How much does a house cost in Cosby, MO?
In Cosby, MO the median home value sits at $350K. Against the broader MO market, that reads as reasonable for most investors.
You know 64436 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 64436 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.
How 64436 ranks in St. Joseph, MO-KS
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