Real Estate Investing in Russellville, Missouri (65074)

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

Moniteau County • Population: 2,781 • Data updated: September 2026

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Should you buy in 65074 (Russellville, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
1 flag
  • High price-to-rent: Price-to-rent ratio 33.4 — 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 Russellville, MO (65074)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $324,529
Avg Monthly Rent $810
1% Rule ✗ Does Not Meet
Median Income $73,388
% Renters 15.3%

Market Analysis: 65074 Russellville

ZIP 65074 inside Moniteau County looks affordable on the surface — median value of $325K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 65074 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Regionally, 65074 sits on the difficult end of the MO spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.

Employment concentration in 65074 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

The 65074 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 Russellville:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Rising (+12.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $810/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
Jefferson City, MO Metro Area
Even conditions for buyers and sellers
33 days
Average time to sell
Average
9.8%
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 Jefferson City, MO metro data
🏠

Property Strategy for 65074

Which property type performs best in this market?

Best for Cash Flow
2BR
3.3% cap rate
Best for Appreciation
2BR
+9.7% 5yr CAGR
Best Overall Value
4BR
$85,748/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $196,344 $900 3.3% +9.7% $98,172
3BR $296,191 $1,250 3.0% +9.2% $98,730
4BR $342,992 $1,370 2.9% +9.2% $85,748

Market Trends

Home Value History (with trend line)

$342K$292K$242K$192K$142K$92KJan 2012May 2019Jul 2026

📊 How Does 65074 Compare?

Metric 65074 Russellville Jefferson City, MO Missouri
Home Value $324,529 $324,529 N/A $254,657
5-Year CAGR 8.6% 8.6% N/A 7.0%
Avg Rent $810 $810 N/A -
Cap Rate 2.0% 2.0% - -
💡 Why Invest in 65074? 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 65074 (Russellville, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+8.6%
Strong

📉 Market Crash Risk Index

Based on Jefferson City, MO metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
40%
Days Pending
0/2
33 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $324,529
Monthly Rent $810
Price-to-Rent 33.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.0%
Cap Rate 2.0%
5-Year IRR 10.6%

📈 Home Appreciation

1-Year +12.3% ▲
3-Year CAGR +7.8% ▲
5-Year CAGR +8.6% ▲
10-Year CAGR +8.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). 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
6.7%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.6%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 65074

Population: 2,781

💰 Median Household Income
$73,388
This area
$73,388
State
$62,768
USA
$74,580
🏠 Renter Occupied
15.3%
This area
15.3%
State
23.7%
USA
34.0%
💼 Unemployment Rate
0.7%
This area
0.7%
State
-8.1%
USA
3.7%
🎓 College Educated
24.6%
This area
24.6%
State
8.6%
USA
33.7%
👤 Median Age
37.6 years
This area
37.6 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
6.7%
This area
6.7%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 95.1%
Other/Mixed 3.5%
Hispanic/Latino 1.2%
Black/African American 0.8%
Asian 0.6%
👶 Under 18
25.0%
This area
25.0%
USA
22.0%
👴 65 and Over
16.9%
This area
16.9%
USA
17.3%
📊 Poverty Rate
1.1%
This area
1.1%
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 65074

B+ Avg School Grade
2 Schools
11.8:1 Avg Class Size
$11,168 Avg Per Pupil

Schools in This ZIP Code

A Very Good

COLE CO. R-I ELEM.

📚 Pre-K – 06 School
👥
327 Students
👨‍🏫
11.3:1 Class Size
💰
$11,168 Per Student
B+ Above Average

RUSSELLVILLE HIGH

📚 07 – 12 High School
👥
295 Students
👨‍🏫
12.3:1 Class Size
💰
$11,168 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

Is real estate in Russellville, MO a good investment right now?

Investors tracking Russellville, MO will find a 3.0/5 rating supported by $325K median home values and $810/mo rents. That profile suits long-term holders targeting even-keeled returns.

Do landlords face vacancy issues in Russellville, MO?

Russellville, MO vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Is the tenant base reliable in Russellville, MO?

Russellville, MO offers a consistent renter base at the $810/mo rent level. Tenant turnover is reasonable for well-managed properties.

Are eviction rules reasonable in Russellville, MO?

Russellville, MO operates under MO law, which is landlord-friendly overall for landlords. Expect even-keeled treatment in typical lease and eviction cases.

How much rent can I charge in Russellville, MO?

Rental rates in Russellville, MO average $810/mo. Tenant demand and $325K home values make the yield look reasonable by investor standards.

You know 65074 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 65074 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 65074 ranks in Jefferson City, MO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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