Real Estate Investing in Saint Thomas, Missouri (65076)
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Should you buy in 65076 (Saint Thomas, MO)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
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 31.3 — hard to cash-flow at these prices.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Saint Thomas, MO (65076)?
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Market Analysis: 65076 Saint Thomas
Not every below-median market is a bargain. Saint Thomas's 65076 ZIP clocks in at signals that favor experienced operators who can absorb the risk $342K pricing implies.
Distressed markets are won on execution, not on spreadsheets. ZIP 65076 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Turning to rents, 65076 offers a low basis, the region around Saint Thomas has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Demographically, 65076 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Saint Thomas:
Market Trends
Home Value History (with trend line)
📊 How Does 65076 Compare?
| Metric | 65076 | Saint Thomas | Jefferson City, MO | Missouri |
|---|---|---|---|---|
| Home Value | $341,558 | $341,558 | N/A | $254,657 |
| 5-Year CAGR | 7.8% | 7.8% | N/A | 7.0% |
| Avg Rent | $909 | $909 | N/A | - |
| Cap Rate | 2.1% | 2.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 65076 (Saint Thomas, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $341,558 |
| Monthly Rent | $909 |
| Price-to-Rent | 31.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.2% |
| Cap Rate | 2.1% |
| 5-Year IRR | 9.8% |
📈 Home Appreciation
| 1-Year | +13.9% ▲ |
| 3-Year CAGR | +6.8% ▲ |
| 5-Year CAGR | +7.8% ▲ |
| 10-Year CAGR | +7.7% ▲ |
🏠 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 (2.1%). 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 65076
Population: 622
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
Is Saint Thomas in MO worth investing in?
Saint Thomas, MO scores 3.0/5 for investability. Home values sit at $342K and rents near $909/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Can I house hack in Saint Thomas, MO?
House hacking in Saint Thomas, MO is a challenging. With home values around $342K and rents at $909/mo, owner-occupants can offset a meaningful share of PITI.
How strong are rents in Saint Thomas, MO?
Expect rents around $909/mo per month in Saint Thomas, MO. With home values at $342K, the yield math works out to reasonable levels for rental investors.
How quickly do rentals get leased in Saint Thomas, MO?
Saint Thomas, MO sees elevated vacancy, which is reasonable relative to the broader MO rental market.
Is housing expensive in Saint Thomas, MO?
Expect median prices around $342K in Saint Thomas, MO. The market has run at a 0.0% 5-year CAGR, so entry costs have been consistent.
You know 65076 now. You don’t know where it ranks.
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How 65076 ranks in Jefferson City, MO
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