Real Estate Investing in Utica, Missouri (64686)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 64686 (Utica, MO)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 15.0% 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 Utica, MO (64686)?
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Market Analysis: 64686 Utica
ZIP 64686 in Utica, MO carries a significant set of headwinds. Home values near $132K and rents of $810/mo sit inside a market where underwriting has to be tight.
Distressed markets are won on execution, not on spreadsheets. ZIP 64686 comes in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Regionally, 64686 sits on the difficult end of the MO spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.
The 64686 ZIP's population of 199 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reflects the need for careful underwriting.
Experienced landlords with local relationships tend to find 64686 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Utica:
Market Trends
Home Value History (with trend line)
📊 How Does 64686 Compare?
| Metric | 64686 | Utica | Missouri |
|---|---|---|---|
| Home Value | $131,803 | $131,803 | $254,657 |
| 5-Year CAGR | 6.9% | 6.9% | 7.0% |
| Avg Rent | $810 | $810 | - |
| Cap Rate | 4.8% | 4.8% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 64686 (Utica, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $131,803 |
| Monthly Rent | $810 |
| Price-to-Rent | 13.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.4% |
| Cap Rate | 4.8% |
| 5-Year IRR | 11.7% |
📈 Home Appreciation
| 1-Year | +13.3% ▲ |
| 3-Year CAGR | +7.4% ▲ |
| 5-Year CAGR | +6.9% ▲ |
| 10-Year CAGR | +6.1% ▲ |
🏠 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 (4.8%). 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 64686
Population: 199
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What price range are homes in Utica, MO?
Typical homes in Utica, MO go for around $132K. The 5-year CAGR of 0.0% consistent price movement.
What is the tenant pool like in Utica, MO?
Utica, MO offers a stable renter base at the $810/mo rent level. Tenant turnover is reasonable for well-managed properties.
Does Utica, MO make sense for an investment property?
Investors tracking Utica, MO will find a 3.0/5 rating supported by $132K median home values and $810/mo rents. That profile suits long-term holders targeting stable returns.
How strict are landlord regulations in Utica, MO?
MO law landlord-friendly for landlords, and Utica inherits those rules. Investors should still review local ordinances for rental licensing.
What strategy should investors use in Utica, MO?
For Utica, MO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
You know 64686 now. You don’t know where it ranks.
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