Real Estate Investing in Breckenridge, Missouri (64625)

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

Caldwell County • Population: 800 • Data updated: September 2026

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Should you buy in 64625 (Breckenridge, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

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

📈 For Investors
MIXED
3.0 / 5 (47/100)

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

⚠️ Risks to Know
1 flag
  • High vacancy: 20.7% of homes vacant — above national norms.

• 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 Breckenridge, MO (64625)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $204,036
Avg Monthly Rent $927
1% Rule ✗ Does Not Meet
Median Income $49,583
% Renters 31.4%

Market Analysis: 64625 Breckenridge

ZIP 64625 in Breckenridge, MO carries a impressive set of headwinds. Home values near $204K and rents of $927/mo sit inside a market where underwriting has to be tight.

Distressed markets are won on execution, not on spreadsheets. ZIP 64625 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Statewide comparisons place 64625 among MO's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

A solid renter share of 31% in 64625 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. resilient returns are possible in 64625, but they flow to investors who already understand how to operate in soft markets.

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 Breckenridge:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+12.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $927/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.
⚖️
BALANCED MARKET
Kansas City, MO-KS Metro Area
Even conditions for buyers and sellers
30 days
Average time to sell
Fast
12.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Kansas City, MO-KS metro data

Market Trends

Home Value History (with trend line)

$221K$183K$146K$108K$70K$32KJul 2006Jul 2016Jul 2026

📊 How Does 64625 Compare?

Metric 64625 Breckenridge Kansas City, MO-KS Missouri
Home Value $204,036 $204,036 N/A $254,657
5-Year CAGR 5.4% 5.4% N/A 7.0%
Avg Rent $927 $927 N/A -
Cap Rate 3.5% 3.5% - -
💡 Why Invest in 64625? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 64625 (Breckenridge, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.5%
Low
5yr Growth
+5.4%
Moderate

📊 Market Snapshot

Home Value $204,036
Monthly Rent $927
Price-to-Rent 18.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.5%
Cap Rate 3.5%
5-Year IRR 8.9%

📈 Home Appreciation

1-Year +12.1% ▲
3-Year CAGR +7.1% ▲
5-Year CAGR +5.4% ▲
10-Year CAGR +8.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). 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
20.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 64625

Population: 800

💰 Median Household Income
$49,583
This area
$49,583
State
$62,768
USA
$74,580
🏠 Renter Occupied
31.4%
This area
31.4%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.1%
This area
1.1%
State
-8.1%
USA
3.7%
🎓 College Educated
11.4%
This area
11.4%
State
8.6%
USA
33.7%
👤 Median Age
40.8 years
This area
40.8 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
20.7%
This area
20.7%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 90.0%
Other/Mixed 9.8%
Hispanic/Latino 0.9%
Black/African American 0.2%
👶 Under 18
24.3%
This area
24.3%
USA
22.0%
👴 65 and Over
10.7%
This area
10.7%
USA
17.3%
📊 Poverty Rate
18.3%
This area
18.3%
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 64625

A Avg School Grade
2 Schools
5.3:1 Avg Class Size
$26,194 Avg Per Pupil

Schools in This ZIP Code

A Very Good

BRECKENRIDGE ELEM.

📚 Pre-K – 05 Elementary
👥
32 Students
👨‍🏫
7.0:1 Class Size
💰
$26,194 Per Student
A Very Good

BRECKENRIDGE HIGH

📚 06 – 12 High School
👥
28 Students
👨‍🏫
3.6:1 Class Size
💰
$26,194 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 4 Off-Campus Students
C+
Grand River Technical School
39 students · 13.6 mi

Frequently Asked Questions

What type of investing works in Breckenridge, MO?

A careful cash-flow rentals with hands-on management strategy Breckenridge, MO best. The market produces predictable results for that approach at the $204K price point.

Are rents high in Breckenridge, MO?

Rents in Breckenridge, MO run near $927/mo. Compared with median home prices of $204K that produces solid gross yields for typical rentals.

Are tenants stable in Breckenridge, MO?

Breckenridge, MO draws a predictable base of working renters. Demand at the $927/mo rent level is reasonable for standard single-family and small multi rentals.

Are landlord laws favorable in Breckenridge, MO?

Breckenridge, MO operates under MO law, which is landlord-friendly overall for landlords. Expect measured treatment in typical lease and eviction cases.

What price range are homes in Breckenridge, MO?

Median home price in Breckenridge, MO is near $204K, with a 5-year CAGR of 0.0%. Prices have been consistent and supportive of buy-and-hold strategies.

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How 64625 ranks in Kansas City, MO-KS

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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