Real Estate Investing in Pineville, Missouri (64856)

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

McDonald County • Population: 4,154 • Data updated: September 2026

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Should you buy in 64856 (Pineville, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

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
  • Elevated vacancy: 11.0% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 25.9 — 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 Pineville, MO (64856)?

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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 $249,237
Avg Monthly Rent $801
1% Rule ✗ Does Not Meet
Median Income $46,068
% Renters 28.8%

Market Analysis: 64856 Pineville

This part of McDonald County is not an easy win. The 64856 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $249K asset, 64856 is the wrong submarket. If the plan prices in friction, the yield can still work.

In the broader MO picture, 64856 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 64856 includes headwinds that any investor should price in. Income distribution skews lower than Pineville averages, and tenant stability requires active management.

The right play in 64856 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Pineville:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.4× the median income
Value Trend
Rising (+6.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $801/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.
🏠

Property Strategy for 64856

Which property type performs best in this market?

Best for Cash Flow
2BR
3.6% cap rate
Best for Appreciation
3BR
+9.5% 5yr CAGR
Best Overall Value
3BR
$88,654/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $177,929 $890 3.6% $88,964
3BR $265,962 $1,230 3.3% +9.5% $88,654

Market Trends

Home Value History (with trend line)

$276K$241K$207K$173K$139K$104KApr 2009Dec 2017Jul 2026

📊 How Does 64856 Compare?

Metric 64856 Pineville Missouri
Home Value $249,237 $249,237 $254,657
5-Year CAGR 6.4% 6.4% 7.0%
Avg Rent $801 $801 -
Cap Rate 2.5% 2.5% -
💡 Why Invest in 64856? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 64856 (Pineville, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.5%
Low
5yr Growth
+6.4%
Strong

📊 Market Snapshot

Home Value $249,237
Monthly Rent $801
Price-to-Rent 25.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.9%
Cap Rate 2.5%
5-Year IRR 8.9%

📈 Home Appreciation

1-Year +6.0% ▲
3-Year CAGR +4.5% ▲
5-Year CAGR +6.4% ▲
10-Year CAGR +7.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.5%). 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
11.0%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.4%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 64856

Population: 4,154

💰 Median Household Income
$46,068
This area
$46,068
State
$62,768
USA
$74,580
🏠 Renter Occupied
28.8%
This area
28.8%
State
23.7%
USA
34.0%
💼 Unemployment Rate
3.4%
This area
3.4%
State
-8.1%
USA
3.7%
🎓 College Educated
6.4%
This area
6.4%
State
8.6%
USA
33.7%
👤 Median Age
40.3 years
This area
40.3 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
11.0%
This area
11.0%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 89.1%
Other/Mixed 9.9%
Hispanic/Latino 4.9%
Black/African American 1.0%
👶 Under 18
23.3%
This area
23.3%
USA
22.0%
👴 65 and Over
16.9%
This area
16.9%
USA
17.3%
📊 Poverty Rate
4.1%
This area
4.1%
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 64856

A Avg School Grade
1 Schools
11.0:1 Avg Class Size
$11,685 Avg Per Pupil

Schools in This ZIP Code

A Very Good

WHITE ROCK ELEM.

📚 Pre-K – 08 School
👥
331 Students
👨‍🏫
11.0:1 Class Size
💰
$11,685 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

What type of investing works in Pineville, MO?

A careful cash-flow rentals with hands-on management strategy Pineville, MO best. The market produces consistent results for that approach at the $249K price point.

Is Pineville, MO a friendly market for rental owners?

For rental operators, Pineville, MO rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

How strong are rents in Pineville, MO?

Investors in Pineville, MO typically see rents near $801/mo per month against $249K home values - a solid setup for rental cash flow.

Does a duplex house hack pencil in Pineville, MO?

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

What kind of vacancy should I budget for in Pineville, MO?

Occupancy in Pineville, MO runs measured with elevated vacancy. Well-priced units at $801/mo lease on reasonable timelines.

You know 64856 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 64856 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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