Real Estate Investing in Pilot Grove, Missouri (65276)

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

Cooper County • Population: 1,733 • Data updated: September 2026

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Should you buy in 65276 (Pilot Grove, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (35/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 15.1% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 25.7 — 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 Pilot Grove, MO (65276)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $247,444
Avg Monthly Rent $801
1% Rule ✗ Does Not Meet
Median Income $70,313
% Renters 22.1%

Market Analysis: 65276 Pilot Grove

The 65276 ZIP covers a section of Pilot Grove that demands careful diligence. Prices near $247K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 65276 can be a worth a close look for hunting ground — but the discount at $247K reflects genuine risk that outside investors often underestimate.

In the broader MO picture, 65276 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Demographically, 65276 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.

Distressed ZIPs reward experience. sturdy returns are possible in 65276, but they flow to investors who already understand how to operate in soft markets.

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 Pilot Grove:

B Good
Buy Confidence Score: 75/100
Affordability
20/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Rising (+7.0%)
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: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Columbia, MO Metro Area
Even conditions for buyers and sellers
45 days
Average time to sell
Average
9.4%
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 Columbia, MO metro data

Market Trends

Home Value History (with trend line)

$253K$247K$242K$236K$230K$224KNov 2023Mar 2025Jul 2026

📊 How Does 65276 Compare?

Metric 65276 Pilot Grove Columbia, MO Missouri
Home Value $247,444 $247,444 N/A $254,657
5-Year CAGR N/A N/A N/A 7.0%
Avg Rent $801 $801 N/A -
Cap Rate 2.5% 2.5% - -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 65276 (Pilot Grove, MO). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
2.5%
Low

📉 Market Crash Risk Index

Based on Columbia, MO metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
43%
Days Pending
1/2
45 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $247,444
Monthly Rent $801
Price-to-Rent 25.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.9%
Cap Rate 2.5%
5-Year IRR 9.6%

📈 Home Appreciation

1-Year +7.0% ▲
3-Year CAGR N/A
5-Year CAGR N/A
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: 2.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.5%). 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
15.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 65276

Population: 1,733

💰 Median Household Income
$70,313
This area
$70,313
State
$62,768
USA
$74,580
🏠 Renter Occupied
22.1%
This area
22.1%
State
23.7%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-8.1%
USA
3.7%
🎓 College Educated
18.8%
This area
18.8%
State
8.6%
USA
33.7%
👤 Median Age
42.2 years
This area
42.2 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
15.1%
This area
15.1%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 98.7%
Other/Mixed 1.4%
Hispanic/Latino 0.1%
👶 Under 18
22.5%
This area
22.5%
USA
22.0%
👴 65 and Over
21.1%
This area
21.1%
USA
17.3%
📊 Poverty Rate
6.6%
This area
6.6%
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 65276

B+ Avg School Grade
2 Schools
8.0:1 Avg Class Size
$15,250 Avg Per Pupil

Schools in This ZIP Code

A Very Good

PILOT GROVE HIGH

📚 07 – 12 High School
👥
129 Students
👨‍🏫
9.8:1 Class Size
💰
$15,250 Per Student
B+ Above Average

PILOT GROVE ELEM.

📚 Pre-K – 06 School
👥
85 Students
👨‍🏫
6.2:1 Class Size
💰
$15,250 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

What is the investability score for Pilot Grove, MO?

Yes - Pilot Grove, MO a 2.0/5 investability score. With $247K home prices against $801/mo monthly rent, the market delivers a reasonable entry point for new investors.

Where do rents currently stand in Pilot Grove, MO?

Investors in Pilot Grove, MO typically see rents near $801/mo per month against $247K home values - a solid setup for rental cash flow.

What is the smart move for investors in Pilot Grove, MO?

In Pilot Grove, MO the significant play is typically careful cash-flow rentals with hands-on management. The combination of $247K prices and $801/mo rents suits that approach.

Can owner-occupants cash flow in Pilot Grove, MO?

Pilot Grove, MO offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $801/mo rent level.

What is the rental occupancy rate in Pilot Grove, MO?

Pilot Grove, MO vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

You know 65276 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 65276 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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How 65276 ranks in Columbia, MO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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