Real Estate Investing in Hartsburg, Missouri (65039)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 65039 (Hartsburg, MO)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 44.1 — 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 Hartsburg, MO (65039)?
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Market Analysis: 65039 Hartsburg
The 65039 ZIP in Hartsburg, MO is a local-operator market. Outside capital chasing a $434K entry has to pair deep knowledge with the discount.
The investment case in 65039 is substantial only for operators who understand what they are buying. A $434K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
In practical terms, 65039 offers a low basis, the region around Hartsburg has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
The 65039 ZIP's population of 3,148 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that clocks in at the need for careful underwriting.
The 65039 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.
Here's what matters if you're considering buying a home in Hartsburg:
Property Strategy for 65039
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $270,813 | $910 | 2.4% | +9.0% | $135,407 |
| 3BR | $393,845 | $1,230 | 2.2% | +8.5% | $131,282 |
| 4BR | $531,406 | $1,450 | 2.0% | +7.8% | $132,852 |
Market Trends
Home Value History (with trend line)
📊 How Does 65039 Compare?
| Metric | 65039 | Hartsburg | Columbia, MO | Missouri |
|---|---|---|---|---|
| Home Value | $433,741 | $433,741 | N/A | $254,657 |
| 5-Year CAGR | 6.4% | 6.4% | N/A | 7.0% |
| Avg Rent | $819 | $819 | N/A | - |
| Cap Rate | 1.5% | 1.5% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 65039 (Hartsburg, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $433,741 |
| Monthly Rent | $819 |
| Price-to-Rent | 44.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.3% |
| Cap Rate | 1.5% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +7.2% ▲ |
| 3-Year CAGR | +4.1% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 10-Year CAGR | +8.5% ▲ |
🏠 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 (1.5%). 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.
Demographics in 65039
Population: 3,148
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 is the typical home price in Hartsburg, MO?
In Hartsburg, MO the median home value sits at $434K. Against the broader MO market, that reads as reasonable for most investors.
Is it easy to find good tenants in Hartsburg, MO?
Tenant demand in Hartsburg, MO is solid. The local workforce $819/mo rents across most rental classes.
What are vacancy rates like in Hartsburg, MO?
Hartsburg, MO sees elevated vacancy, which is reasonable relative to the broader MO rental market.
How much rent can I charge in Hartsburg, MO?
Rents in Hartsburg, MO run near $819/mo. Compared with median home prices of $434K that produces solid gross yields for typical rentals.
What is it like being a landlord in Hartsburg, MO?
MO law landlord-friendly for landlords, and Hartsburg inherits those rules. Investors should still review local ordinances for rental licensing.
You know 65039 now. You don’t know where it ranks.
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How 65039 ranks in Columbia, MO
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