Real Estate Investing in Versailles, Missouri (65084)

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

Morgan County • Population: 7,269 • Data updated: September 2026

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Should you buy in 65084 (Versailles, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (45/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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: 20.4% 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 Versailles, MO (65084)?

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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 $235,918
Avg Monthly Rent $801
1% Rule ✗ Does Not Meet
Median Income $50,739
% Renters 27.9%

Market Analysis: 65084 Versailles

This part of Morgan County is not an easy win. The 65084 ZIP records softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed markets are won on execution, not on spreadsheets. ZIP 65084 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

The gap between 65084 and stronger Versailles ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 65084 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 65084 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Versailles:

C Below Average
Buy Confidence Score: 56/100
Affordability
10/25
Appreciation
14/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Rising (+4.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $801/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$253K$226K$199K$172K$144K$117KFeb 2016May 2021Jul 2026

📊 How Does 65084 Compare?

Metric 65084 Versailles Missouri
Home Value $235,918 $235,918 $254,657
5-Year CAGR 2.4% 2.4% 7.0%
Avg Rent $801 $801 -
Cap Rate 2.7% 2.7% -
💡 Why Invest in 65084? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 65084 (Versailles, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+2.4%
Slow

📊 Market Snapshot

Home Value $235,918
Monthly Rent $801
Price-to-Rent 24.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 5.1%

📈 Home Appreciation

1-Year +4.6% ▲
3-Year CAGR +3.0% ▲
5-Year CAGR +2.4% ▲
10-Year CAGR +5.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
20.4%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 65084

Population: 7,269

💰 Median Household Income
$50,739
This area
$50,739
State
$62,768
USA
$74,580
🏠 Renter Occupied
27.9%
This area
27.9%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-8.1%
USA
3.7%
🎓 College Educated
12.1%
This area
12.1%
State
8.6%
USA
33.7%
👤 Median Age
36.0 years
This area
36.0 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
20.4%
This area
20.4%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 94.4%
Other/Mixed 5.0%
Hispanic/Latino 1.9%
Black/African American 0.6%
👶 Under 18
29.2%
This area
29.2%
USA
22.0%
👴 65 and Over
14.9%
This area
14.9%
USA
17.3%
📊 Poverty Rate
19.0%
This area
19.0%
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 65084

B+ Avg School Grade
4 Schools
11.7:1 Avg Class Size
$13,900 Avg Per Pupil

Schools in This ZIP Code

A Very Good

MORGAN CO. ELEM.

📚 K – 05 Elementary
👥
522 Students
👨‍🏫
11.4:1 Class Size
💰
$13,900 Per Student
A Very Good

MORGAN CO. HIGH

📚 09 – 12 High School
👥
383 Students
👨‍🏫
11.9:1 Class Size
💰
$13,900 Per Student
B+ Above Average

MORGAN CO. MIDDLE

📚 06 – 08 Middle
👥
294 Students
👨‍🏫
13.5:1 Class Size
💰
$13,900 Per Student
B Good

Little Tigers Learning Center

📚 Grade PK Elementary
👥
65 Students
👨‍🏫
10.1:1 Class Size
💰
$13,900 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 Versailles, MO suited for a house hack?

The a challenging house-hack environment in Versailles, MO reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

How strong is the working-renter base in Versailles, MO?

The renter base in Versailles, MO is reasonable for the $801/mo price point. Screening well and pricing to market typically yields consistent tenants.

Are eviction rules reasonable in Versailles, MO?

Versailles, MO falls under MO landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

How does Versailles, MO stack up for property investment?

Versailles, MO shows an investability rating of 3.0/5, with median home values near $236K and average rents around $801/mo. That combination puts it in the notable tier for investor interest.

How much should I expect to pay for a home in Versailles, MO?

Expect median prices around $236K in Versailles, MO. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.

You know 65084 now. You don’t know where it ranks.

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