Real Estate Investing in Chilhowee, Missouri (64733)

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

Johnson County • Population: 1,112 • Data updated: September 2026

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Should you buy in 64733 (Chilhowee, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

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
2 flags
  • High vacancy: 16.7% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 30.0 — 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 Chilhowee, MO (64733)?

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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 $288,035
Avg Monthly Rent $801
1% Rule ✗ Does Not Meet
Median Income $71,850
% Renters 25.1%

Market Analysis: 64733 Chilhowee

ZIP 64733 inside Johnson County looks affordable on the surface — median value of $288K — but the discount exists for reasons that a careful buyer should understand before committing.

For an experienced owner, 64733 can be a a solid fit for hunting ground — but the discount at $288K reflects genuine risk that outside investors often underestimate.

The gap between 64733 and stronger Chilhowee ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Resident income in 64733 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Experienced landlords with local relationships tend to find 64733 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Chilhowee:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4× the median income
Value Trend
Rising (+12.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $801/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Warrensburg, MO Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
11.5%
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 Warrensburg, MO metro data

Market Trends

Home Value History (with trend line)

$306K$263K$221K$178K$135K$92KJan 2009Oct 2017Jul 2026

📊 How Does 64733 Compare?

Metric 64733 Chilhowee Warrensburg, MO Missouri
Home Value $288,035 $288,035 N/A $254,657
5-Year CAGR 6.1% 6.1% N/A 7.0%
Avg Rent $801 $801 N/A -
Cap Rate 2.2% 2.2% - -
💡 Why Invest in 64733? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 64733 (Chilhowee, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.2%
Low
5yr Growth
+6.1%
Strong

📉 Market Crash Risk Index

Based on Warrensburg, MO metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
56%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $288,035
Monthly Rent $801
Price-to-Rent 30.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.3%
Cap Rate 2.2%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year +12.0% ▲
3-Year CAGR +3.9% ▲
5-Year CAGR +6.1% ▲
10-Year CAGR +7.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.2%). 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
16.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.1%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 64733

Population: 1,112

💰 Median Household Income
$71,850
This area
$71,850
State
$62,768
USA
$74,580
🏠 Renter Occupied
25.1%
This area
25.1%
State
23.7%
USA
34.0%
💼 Unemployment Rate
2.0%
This area
2.0%
State
-8.1%
USA
3.7%
🎓 College Educated
21.4%
This area
21.4%
State
8.6%
USA
33.7%
👤 Median Age
39.8 years
This area
39.8 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
16.7%
This area
16.7%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 96.2%
Other/Mixed 3.8%
Hispanic/Latino 0.5%
👶 Under 18
27.0%
This area
27.0%
USA
22.0%
👴 65 and Over
9.8%
This area
9.8%
USA
17.3%
📊 Poverty Rate
4.8%
This area
4.8%
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 64733

B+ Avg School Grade
3 Schools
8.1:1 Avg Class Size
$15,420 Avg Per Pupil

Schools in This ZIP Code

A Very Good

SHAWNEE ELEM.

📚 K – 08 School
👥
53 Students
👨‍🏫
7.8:1 Class Size
💰
$20,608 Per Student
B Good

CHILHOWEE ELEM.

📚 Pre-K – 06 School
👥
65 Students
👨‍🏫
6.8:1 Class Size
💰
$12,826 Per Student
B Good

CHILHOWEE HIGH

📚 07 – 12 High School
👥
81 Students
👨‍🏫
9.8:1 Class Size
💰
$12,826 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

2 Nearby 462 Off-Campus Students
C+
University of Central Missouri
12,788 students · 13.3 mi
C
Warrensburg Area Career Center
23 students · 14.1 mi

Frequently Asked Questions

Is Chilhowee, MO a good place for real estate investing?

Chilhowee, MO stands at an investability rating of 3.0/5, with median home values near $288K and average rents around $801/mo. That combination puts it in the robust tier for investor interest.

Should investors worry about vacancy in Chilhowee, MO?

Chilhowee, MO sees elevated vacancy, which is reasonable relative to the broader MO rental market.

What is the typical renter like in Chilhowee, MO?

Tenant quality in Chilhowee, MO ranks as solid. Landlords generally report consistent occupancy at market rents of $801/mo.

Is Chilhowee, MO suited for a house hack?

The a challenging house-hack environment in Chilhowee, MO reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

What is the typical rental rate in Chilhowee, MO?

Investors in Chilhowee, MO typically see rents near $801/mo per month against $288K home values - a solid setup for rental cash flow.

You know 64733 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 64733 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.

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How 64733 ranks in Warrensburg, MO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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