Real Estate Investing in Saint Elizabeth, Missouri (65075)

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

Miller County • Population: 1,204 • Data updated: September 2026

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Should you buy in 65075 (Saint Elizabeth, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (62/100)

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
  • Elevated vacancy: 9.9% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 33.7 — 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 Saint Elizabeth, MO (65075)?

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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 $330,860
Avg Monthly Rent $819
1% Rule ✗ Does Not Meet
Median Income $74,583
% Renters 10.7%

Market Analysis: 65075 Saint Elizabeth

The 65075 ZIP covers a section of Saint Elizabeth that demands careful diligence. Prices near $331K look accessible, but the work to make a deal cash flow is real.

The investment case in 65075 is durable only for operators who understand what they are buying. A $331K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Nearby ZIPs in Saint Elizabeth have seen price recovery that 65075 has not matched. Miller County data supports the view that the spread is structural rather than temporary.

Employment concentration in 65075 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

New investors are better served looking at Saint Elizabeth's stable or hybrid ZIPs before stepping into 65075. The learning curve here is expensive when the lesson is wrong.

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 Saint Elizabeth:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Stable (+2.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $819/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.

Market Trends

Home Value History (with trend line)

$370K$329K$288K$246K$205K$164KFeb 2019Nov 2022Jul 2026

📊 How Does 65075 Compare?

Metric 65075 Saint Elizabeth Missouri
Home Value $330,860 $330,860 $254,657
5-Year CAGR 6.1% 6.1% 7.0%
Avg Rent $819 $819 -
Cap Rate 1.9% 1.9% -
💡 Why Invest in 65075? 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 65075 (Saint Elizabeth, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.9%
Low
5yr Growth
+6.1%
Strong

📊 Market Snapshot

Home Value $330,860
Monthly Rent $819
Price-to-Rent 33.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.0%
Cap Rate 1.9%
5-Year IRR 8.0%

📈 Home Appreciation

1-Year +2.9% ▲
3-Year CAGR +4.9% ▲
5-Year CAGR +6.1% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.9%). 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
9.9%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.1%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 65075

Population: 1,204

💰 Median Household Income
$74,583
This area
$74,583
State
$62,768
USA
$74,580
🏠 Renter Occupied
10.7%
This area
10.7%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.3%
This area
1.3%
State
-8.1%
USA
3.7%
🎓 College Educated
24.4%
This area
24.4%
State
8.6%
USA
33.7%
👤 Median Age
34.3 years
This area
34.3 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
9.9%
This area
9.9%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 98.1%
Other/Mixed 0.9%
Black/African American 0.8%
Asian 0.2%
👶 Under 18
31.5%
This area
31.5%
USA
22.0%
👴 65 and Over
19.4%
This area
19.4%
USA
17.3%
📊 Poverty Rate
3.3%
This area
3.3%
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 65075

B Avg School Grade
2 Schools
14.5:1 Avg Class Size
$11,110 Avg Per Pupil

Schools in This ZIP Code

B Good

ST. ELIZABETH HIGH

📚 06 – 12 High School
👥
134 Students
👨‍🏫
12.9:1 Class Size
💰
$11,110 Per Student
B Good

ST. ELIZABETH ELEM.

📚 Pre-K – 05 Elementary
👥
137 Students
👨‍🏫
16.1:1 Class Size
💰
$11,110 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 Saint Elizabeth, MO a good investment right now?

Investors tracking Saint Elizabeth, MO will find a 3.0/5 rating supported by $331K median home values and $819/mo rents. That profile suits long-term holders targeting predictable returns.

What price range are homes in Saint Elizabeth, MO?

Homes in Saint Elizabeth, MO typically sell near $331K. Prices have moved at a 0.0% 5-year CAGR, which reliable long-term demand.

How much do tenants pay in Saint Elizabeth, MO?

The typical rental in Saint Elizabeth, MO commands about $819/mo monthly. That rent profile stable cash flow against the $331K purchase basis.

What is the rental occupancy rate in Saint Elizabeth, MO?

Expect elevated vacancy in Saint Elizabeth, MO. Rents at $819/mo are absorbed by the tenant base without meaningful lag.

What is the smart move for investors in Saint Elizabeth, MO?

A careful cash-flow rentals with hands-on management strategy Saint Elizabeth, MO best. The market produces predictable results for that approach at the $331K price point.

You know 65075 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 65075 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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