Real Estate Investing in Rock Port, Missouri (64482)

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

Atchison County • Population: 1,971 • Data updated: September 2026

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Should you buy in 64482 (Rock Port, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (78/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 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
1 flag
  • Elevated vacancy: 10.2% vacancy may signal weakening demand.

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

What’s happening in Rock Port, MO (64482)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $166,301
Avg Monthly Rent $900
1% Rule ✗ Does Not Meet
Median Income $63,190
% Renters 27.1%

Market Analysis: 64482 Rock Port

The 64482 ZIP in Rock Port, MO is a local-operator market. Outside capital chasing a $166K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 64482 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 64482 sits on the difficult end of the MO spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 64482 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

The 64482 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.

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 Rock Port:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.6× the median income
Value Trend
Rising (+6.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $900/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)

$176K$160K$144K$128K$112K$96KFeb 2019Nov 2022Jul 2026

📊 How Does 64482 Compare?

Metric 64482 Rock Port Missouri
Home Value $166,301 $166,301 $254,657
5-Year CAGR 4.6% 4.6% 7.0%
Avg Rent $900 $900 -
Cap Rate 4.2% 4.2% -
💡 Why Invest in 64482? 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 64482 (Rock Port, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.2%
Fair
5yr Growth
+4.6%
Moderate

📊 Market Snapshot

Home Value $166,301
Monthly Rent $900
Price-to-Rent 15.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.5%
Cap Rate 4.2%
5-Year IRR 8.9%

📈 Home Appreciation

1-Year +6.1% ▲
3-Year CAGR +3.5% ▲
5-Year CAGR +4.6% ▲
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: 4.2%  |  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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
10.2%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 64482

Population: 1,971

💰 Median Household Income
$63,190
This area
$63,190
State
$62,768
USA
$74,580
🏠 Renter Occupied
27.1%
This area
27.1%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.1%
This area
1.1%
State
-8.1%
USA
3.7%
🎓 College Educated
25.3%
This area
25.3%
State
8.6%
USA
33.7%
👤 Median Age
43.0 years
This area
43.0 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
10.2%
This area
10.2%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 96.0%
Other/Mixed 3.2%
Hispanic/Latino 0.6%
Asian 0.5%
Black/African American 0.3%
👶 Under 18
25.7%
This area
25.7%
USA
22.0%
👴 65 and Over
25.1%
This area
25.1%
USA
17.3%
📊 Poverty Rate
8.8%
This area
8.8%
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 64482

A Avg School Grade
2 Schools
10.5:1 Avg Class Size
$14,712 Avg Per Pupil

Schools in This ZIP Code

A Very Good

ROCK PORT ELEM.

📚 Pre-K – 06 School
👥
217 Students
👨‍🏫
10.3:1 Class Size
💰
$14,712 Per Student
A Very Good

ROCK PORT HIGH

📚 07 – 12 High School
👥
166 Students
👨‍🏫
10.7:1 Class Size
💰
$14,712 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 60 Off-Campus Students
C
Peru State College
1,638 students · 10.1 mi

Frequently Asked Questions

What are home prices like in Rock Port, MO?

Median home price in Rock Port, MO is near $166K, with a 5-year CAGR of 0.0%. Prices have been steady and supportive of buy-and-hold strategies.

What is the typical renter like in Rock Port, MO?

Rock Port, MO offers a predictable renter base at the $900/mo rent level. Tenant turnover is reasonable for well-managed properties.

Is Rock Port, MO good for landlords?

For rental operators, Rock Port, MO rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

Which investment style suits Rock Port, MO?

Investors usually favor careful cash-flow rentals with hands-on management in Rock Port, MO. With home values at $166K and rents near $900/mo, other strategies can work but produce measured rather than outsized returns.

Is Rock Port, MO good for house hacking?

House hacking in Rock Port, MO is a challenging. With home values around $166K and rents at $900/mo, owner-occupants can offset a meaningful share of PITI.

You know 64482 now. You don’t know where it ranks.

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