Real Estate Investing in Stewartsville, Missouri (64490)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 64490 (Stewartsville, 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: 12.0% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Stewartsville, MO (64490)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 64490 Stewartsville
ZIP 64490 in Stewartsville, MO carries a notable set of headwinds. Home values near $277K and rents of $927/mo sit inside a market where underwriting has to be tight.
The 64490 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Regionally, 64490 sits on the difficult end of the MO spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.
The 64490 ZIP's population of 1,858 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that stands at the need for careful underwriting.
Strategically, 64490 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Stewartsville:
Market Trends
Home Value History (with trend line)
📊 How Does 64490 Compare?
| Metric | 64490 | Stewartsville | St. Joseph, MO-KS | Missouri |
|---|---|---|---|---|
| Home Value | $277,251 | $277,251 | N/A | $254,657 |
| 5-Year CAGR | 5.2% | 5.2% | N/A | 7.0% |
| Avg Rent | $927 | $927 | N/A | - |
| Cap Rate | 2.6% | 2.6% | - | - |
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 64490 (Stewartsville, MO). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 64490 (Stewartsville, MO)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $277,251 |
| Monthly Rent | $927 |
| Price-to-Rent | 24.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.0% |
| Cap Rate | 2.6% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +10.6% ▲ |
| 3-Year CAGR | +4.7% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +6.6% ▲ |
🏠 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 (2.6%). 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 64490
Population: 1,858
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 64490
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
How strong is Stewartsville, MO for real estate investors?
Stewartsville, MO rates 3.0/5 for investability. With median values at $277K and rents near $927/mo, the market offers reasonable fundamentals for rental investors.
Is housing expensive in Stewartsville, MO?
Stewartsville, MO median home values land near $277K. That is reasonable territory for investors looking at $927/mo-per-month rentals.
Which investment style suits Stewartsville, MO?
A careful cash-flow rentals with hands-on management strategy Stewartsville, MO best. The market produces steady results for that approach at the $277K price point.
Is MO a landlord-friendly state?
The landlord environment in Stewartsville, MO is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
What is the average monthly rent in Stewartsville, MO?
Rent in Stewartsville, MO is around $927/mo. The resulting rent-to-value relationship with $277K pricing is reasonable for most investor models.
You know 64490 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 64490 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 64490 ranks in St. Joseph, MO-KS
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 64490 (Stewartsville)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 64490 (Stewartsville, MO).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.