Real Estate Investing in Tuscumbia, Missouri (65082)

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

Miller County • Population: 1,152 • Data updated: September 2026

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Should you buy in 65082 (Tuscumbia, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

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
1 flag
  • High vacancy: 19.9% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Tuscumbia, MO (65082)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $234,063
Avg Monthly Rent $891
1% Rule ✗ Does Not Meet
Median Income $61,136
% Renters 11.0%

Market Analysis: 65082 Tuscumbia

This part of Miller County is not an easy win. The 65082 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The investment case in 65082 is notable only for operators who understand what they are buying. A $234K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

ZIP 65082's metrics run below Miller County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Resident income in 65082 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

New investors are better served looking at Tuscumbia's stable or hybrid ZIPs before stepping into 65082. 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 Tuscumbia:

C+ Average
Buy Confidence Score: 63/100
Affordability
15/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+3.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $891/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)

$256K$229K$203K$176K$150K$123KFeb 2019Nov 2022Jul 2026

📊 How Does 65082 Compare?

Metric 65082 Tuscumbia Missouri
Home Value $234,063 $234,063 $254,657
5-Year CAGR 4.4% 4.4% 7.0%
Avg Rent $891 $891 -
Cap Rate 3.0% 3.0% -
💡 Why Invest in 65082? 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 65082 (Tuscumbia, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.0%
Low
5yr Growth
+4.4%
Moderate

📊 Market Snapshot

Home Value $234,063
Monthly Rent $891
Price-to-Rent 21.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.6%
Cap Rate 3.0%
5-Year IRR 7.4%

📈 Home Appreciation

1-Year +3.8% ▲
3-Year CAGR +2.7% ▲
5-Year CAGR +4.4% ▲
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: 3.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). 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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
19.9%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 65082

Population: 1,152

💰 Median Household Income
$61,136
This area
$61,136
State
$62,768
USA
$74,580
🏠 Renter Occupied
11.0%
This area
11.0%
State
23.7%
USA
34.0%
💼 Unemployment Rate
3.0%
This area
3.0%
State
-8.1%
USA
3.7%
🎓 College Educated
21.3%
This area
21.3%
State
8.6%
USA
33.7%
👤 Median Age
41.5 years
This area
41.5 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
19.9%
This area
19.9%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 92.4%
Other/Mixed 4.6%
Black/African American 2.7%
Hispanic/Latino 0.3%
Asian 0.3%
👶 Under 18
28.1%
This area
28.1%
USA
22.0%
👴 65 and Over
22.1%
This area
22.1%
USA
17.3%
📊 Poverty Rate
6.4%
This area
6.4%
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 65082

B+ Avg School Grade
2 Schools
8.3:1 Avg Class Size
$14,156 Avg Per Pupil

Schools in This ZIP Code

A Very Good

MILLER CO. ELEM.

📚 Pre-K – 08 School
👥
126 Students
👨‍🏫
8.9:1 Class Size
💰
$14,156 Per Student
B+ Above Average

TUSCUMBIA HIGH

📚 09 – 12 High School
👥
61 Students
👨‍🏫
7.8:1 Class Size
💰
$14,156 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

How do experienced investors play Tuscumbia, MO?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Tuscumbia, MO. The numbers - $234K homes against $891/mo rents - support that play.

What is the typical renter like in Tuscumbia, MO?

Tuscumbia, MO offers a consistent renter base at the $891/mo rent level. Tenant turnover is reasonable for well-managed properties.

What is the investability score for Tuscumbia, MO?

Tuscumbia, MO registers an investability rating of 3.0/5, with median home values near $234K and average rents around $891/mo. That combination puts it in the robust tier for investor interest.

How viable is house hacking in Tuscumbia, MO?

House hacking in Tuscumbia, MO is a challenging. With home values around $234K and rents at $891/mo, owner-occupants can offset a meaningful share of PITI.

Is rental property easy to operate in Tuscumbia, MO?

The landlord environment in Tuscumbia, MO is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

You know 65082 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 65082 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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