Real Estate Investing in Polo, Missouri (64671)

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

Caldwell County • Population: 1,877 • Data updated: September 2026

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Should you buy in 64671 (Polo, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
2 flags
  • High vacancy: 26.5% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 26.6 — hard to cash-flow at these prices.

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

What’s happening in Polo, MO (64671)?

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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 $296,225
Avg Monthly Rent $927
1% Rule ✗ Does Not Meet
Median Income $57,868
% Renters 12.4%

Market Analysis: 64671 Polo

The 64671 ZIP in Polo, MO is a local-operator market. Outside capital chasing a $296K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 64671 shows the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

In the broader MO picture, 64671 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 64671 includes headwinds that any investor should price in. Income distribution skews lower than Polo averages, and tenant stability requires active management.

The 64671 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 Polo:

C+ Average
Buy Confidence Score: 65/100
Affordability
10/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.1× the median income
Value Trend
Rising (+11.1%)
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)

$321K$266K$211K$156K$101K$46KApr 2006Jun 2016Jul 2026

📊 How Does 64671 Compare?

Metric 64671 Polo Kansas City, MO-KS Missouri
Home Value $296,225 $296,225 N/A $254,657
5-Year CAGR 7.2% 7.2% N/A 7.0%
Avg Rent $927 $927 N/A -
Cap Rate 2.4% 2.4% - -
💡 Why Invest in 64671? 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 64671 (Polo, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+7.2%
Strong

📊 Market Snapshot

Home Value $296,225
Monthly Rent $927
Price-to-Rent 26.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.8%
Cap Rate 2.4%
5-Year IRR 9.6%

📈 Home Appreciation

1-Year +11.1% ▲
3-Year CAGR +6.9% ▲
5-Year CAGR +7.2% ▲
10-Year CAGR +9.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). 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
26.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.2%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 64671

Population: 1,877

💰 Median Household Income
$57,868
This area
$57,868
State
$62,768
USA
$74,580
🏠 Renter Occupied
12.4%
This area
12.4%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.0%
This area
1.0%
State
-8.1%
USA
3.7%
🎓 College Educated
14.7%
This area
14.7%
State
8.6%
USA
33.7%
👤 Median Age
44.5 years
This area
44.5 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
26.5%
This area
26.5%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 94.0%
Other/Mixed 5.3%
Asian 0.5%
Hispanic/Latino 0.3%
Black/African American 0.2%
👶 Under 18
25.0%
This area
25.0%
USA
22.0%
👴 65 and Over
21.6%
This area
21.6%
USA
17.3%
📊 Poverty Rate
7.7%
This area
7.7%
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 64671

B+ Avg School Grade
4 Schools
9.0:1 Avg Class Size
$16,215 Avg Per Pupil

Schools in This ZIP Code

A Very Good

MIRABILE ELEM.

📚 Pre-K – 08 School
👥
35 Students
👨‍🏫
5.9:1 Class Size
💰
$24,167 Per Student
B+ Above Average

POLO ELEM.

📚 Pre-K – 04 Elementary
👥
143 Students
👨‍🏫
9.5:1 Class Size
💰
$13,564 Per Student
B+ Above Average

POLO HIGH

📚 09 – 12 High School
👥
150 Students
👨‍🏫
9.7:1 Class Size
💰
$13,564 Per Student
B+ Above Average

POLO MIDDLE

📚 05 – 08 School
👥
102 Students
👨‍🏫
11.0:1 Class Size
💰
$13,564 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.

Frequently Asked Questions

How should investors approach Polo, MO?

In Polo, MO the healthy play is typically careful cash-flow rentals with hands-on management. The combination of $296K prices and $927/mo rents suits that approach.

What is the average monthly rent in Polo, MO?

Expect rents around $927/mo per month in Polo, MO. With home values at $296K, the yield math works out to reasonable levels for rental investors.

What is the tenant pool like in Polo, MO?

Expect a solid tenant pool in Polo, MO. The rental market absorbs $927/mo rents without meaningful friction.

Can I live-in-and-rent in Polo, MO?

House hacking in Polo, MO is a challenging. With home values around $296K and rents at $927/mo, owner-occupants can offset a meaningful share of PITI.

Is MO a landlord-friendly state?

The landlord environment in Polo, MO is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

You know 64671 now. You don’t know where it ranks.

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How 64671 ranks in Kansas City, MO-KS

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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