Real Estate Investing in Tarkio, Missouri (64491)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 64491 (Tarkio, MO)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 15.9% of homes vacant — above national norms.
- 1-year downturn: Values declined 5.2% in the last year.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Tarkio, MO (64491)?
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Market Analysis: 64491 Tarkio
This part of Atchison County is not an easy win. The 64491 ZIP posts softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 64491 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Nearby ZIPs in Tarkio have seen price recovery that 64491 has not matched. Atchison County data supports the view that the spread is structural rather than temporary.
Resident income in 64491 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
The right play in 64491 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Tarkio:
Market Trends
Home Value History (with trend line)
📊 How Does 64491 Compare?
| Metric | 64491 | Tarkio | Missouri |
|---|---|---|---|
| Home Value | $120,970 | $120,970 | $254,657 |
| 5-Year CAGR | 2.5% | 2.5% | 7.0% |
| Avg Rent | $819 | $819 | - |
| Cap Rate | 5.3% | 5.3% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 64491 (Tarkio, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $120,970 |
| Monthly Rent | $819 |
| Price-to-Rent | 12.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.1% |
| Cap Rate | 5.3% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | -5.2% ▼ |
| 3-Year CAGR | +0.4% ▲ |
| 5-Year CAGR | +2.5% ▲ |
| 10-Year CAGR | +4.9% ▲ |
🏠 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 (5.3%). 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 64491
Population: 1,642
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 64491
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.
Frequently Asked Questions
Where do rents currently stand in Tarkio, MO?
The typical rental in Tarkio, MO commands about $819/mo monthly. That rent profile stable cash flow against the $121K purchase basis.
How strong is tenant demand in Tarkio, MO?
Working renters make up the core of the Tarkio, MO tenant base. The pool is reasonable for investors targeting long-term holds.
Is Tarkio in MO worth investing in?
Our data puts Tarkio, MO at 3.0/5 for investability. Home prices of $121K and rents around $819/mo create a solid backdrop for investor activity.
Is Tarkio, MO suited for a house hack?
The a challenging house-hack environment in Tarkio, MO reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
What are vacancy rates like in Tarkio, MO?
Vacancy in Tarkio, MO is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $819/mo.
You know 64491 now. You don’t know where it ranks.
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