Real Estate Investing in Martinsburg, Missouri (65264)

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

Audrain County • Population: 921 • Data updated: September 2026

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Should you buy in 65264 (Martinsburg, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (42/100)

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
2 flags
  • Elevated vacancy: 10.6% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 28.7 — 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 Martinsburg, MO (65264)?

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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 $278,973
Avg Monthly Rent $810
1% Rule ✗ Does Not Meet
Median Income N/A
% Renters 9.5%

Market Analysis: 65264 Martinsburg

Not every below-median market is a bargain. Martinsburg's 65264 ZIP posts signals that favor experienced operators who can absorb the risk $279K pricing implies.

For an experienced owner, 65264 can be a a strong candidate for hunting ground — but the discount at $279K reflects genuine risk that outside investors often underestimate.

Regionally, 65264 sits on the difficult end of the MO spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.

The demographic picture in 65264 includes headwinds that any investor should price in. Income distribution skews lower than Martinsburg averages, and tenant stability requires active management.

New investors are better served looking at Martinsburg's stable or hybrid ZIPs before stepping into 65264. 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 Martinsburg:

Affordability
Affordable
Homes cost × the median income
Value Trend
Rising (+12.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $810/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Mexico, MO Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
12.1%
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 Mexico, MO metro data

Market Trends

Home Value History (with trend line)

$305K$268K$231K$194K$157K$119KJan 2014May 2020Jul 2026

📊 How Does 65264 Compare?

Metric 65264 Martinsburg Mexico, MO Missouri
Home Value $278,973 $278,973 N/A $254,657
5-Year CAGR 5.4% 5.4% N/A 7.0%
Avg Rent $810 $810 N/A -
Cap Rate 2.3% 2.3% - -
💡 Why Invest in 65264? 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 65264 (Martinsburg, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+5.4%
Moderate

📉 Market Crash Risk Index

Based on Mexico, MO metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $278,973
Monthly Rent $810
Price-to-Rent 28.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.5%
Cap Rate 2.3%
5-Year IRR 7.6%

📈 Home Appreciation

1-Year +12.1% ▲
3-Year CAGR +7.2% ▲
5-Year CAGR +5.4% ▲
10-Year CAGR +7.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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
10.6%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 65264

Population: 921

💰 Median Household Income
N/A
🏠 Renter Occupied
9.5%
This area
9.5%
State
23.7%
USA
34.0%
💼 Unemployment Rate
0.5%
This area
0.5%
State
-8.1%
USA
3.7%
🎓 College Educated
15.0%
This area
15.0%
State
8.6%
USA
33.7%
👤 Median Age
39.6 years
This area
39.6 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
10.6%
This area
10.6%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 98.8%
Black/African American 1.0%
Hispanic/Latino 0.2%
Other/Mixed 0.2%
👶 Under 18
29.2%
This area
29.2%
USA
22.0%
👴 65 and Over
19.3%
This area
19.3%
USA
17.3%
📊 Poverty Rate
0.3%
This area
0.3%
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

Frequently Asked Questions

Is Martinsburg in MO worth investing in?

Investors tracking Martinsburg, MO will find a 3.0/5 rating supported by $279K median home values and $810/mo rents. That profile suits long-term holders targeting predictable returns.

What do rentals go for in Martinsburg, MO?

Average rent in Martinsburg, MO is approximately $810/mo per month. Against $279K home values that yields a reasonable rent-to-price ratio.

What investment strategy works best in Martinsburg, MO?

Most investors in Martinsburg, MO run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

Do landlords face vacancy issues in Martinsburg, MO?

Rental vacancy in Martinsburg, MO is elevated. Investors should budget normal turnover but not chronic empty units.

What is the median home value in Martinsburg, MO?

Expect median prices around $279K in Martinsburg, MO. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.

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