Real Estate Investing in Sturgeon, Missouri (65284)

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

Boone County • Population: 2,172 • Data updated: September 2026

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Should you buy in 65284 (Sturgeon, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

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
2 flags
  • High vacancy: 13.9% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 32.5 — 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 Sturgeon, MO (65284)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $347,278
Avg Monthly Rent $891
1% Rule ✗ Does Not Meet
Median Income $92,083
% Renters 26.7%

Market Analysis: 65284 Sturgeon

The 65284 ZIP in Sturgeon, MO is a local-operator market. Outside capital chasing a $347K entry has to pair deep knowledge with the discount.

On balance, the numbers look inviting — $347K purchase price, 0.0% nominal cap — the work to hit that pro forma in 65284 is substantial and deserves full respect.

Within MO, ZIP 65284 trails on several market indicators that neighboring Boone County submarkets outperform. The gap is real and impressive enough to shape underwriting.

Resident income in 65284 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategy in 65284 is an operator game, not a passive one. On balance, entry prices of $347K are inviting, the management lift is real and non-optional.

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 Sturgeon:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+10.8%)
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.
⚖️
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
🏠

Property Strategy for 65284

Which property type performs best in this market?

Best for Cash Flow
2BR
3.7% cap rate
Best for Appreciation
3BR
+8.5% 5yr CAGR
Best Overall Value
2BR
$95,698/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $191,396 $990 3.7% +7.8% $95,698
3BR $288,375 $1,340 3.3% +8.5% $96,125
4BR $416,333 $1,590 2.7% +8.1% $104,083

Market Trends

Home Value History (with trend line)

$381K$320K$259K$198K$137K$76KJul 2006Jul 2016Jul 2026

📊 How Does 65284 Compare?

Metric 65284 Sturgeon Columbia, MO Missouri
Home Value $347,278 $347,278 N/A $254,657
5-Year CAGR 8.7% 8.7% N/A 7.0%
Avg Rent $891 $891 N/A -
Cap Rate 2.0% 2.0% - -
💡 Why Invest in 65284? 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 65284 (Sturgeon, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+8.7%
Strong

📉 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 $347,278
Monthly Rent $891
Price-to-Rent 32.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.1%
Cap Rate 2.0%
5-Year IRR 10.7%

📈 Home Appreciation

1-Year +10.8% ▲
3-Year CAGR +6.9% ▲
5-Year CAGR +8.7% ▲
10-Year CAGR +10.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). 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.

Run an IRR Analysis →

⚠️ Risk Signals

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

Vacancy
13.9%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 65284

Population: 2,172

💰 Median Household Income
$92,083
This area
$92,083
State
$62,768
USA
$74,580
🏠 Renter Occupied
26.7%
This area
26.7%
State
23.7%
USA
34.0%
💼 Unemployment Rate
0.4%
This area
0.4%
State
-8.1%
USA
3.7%
🎓 College Educated
34.3%
This area
34.3%
State
8.6%
USA
33.7%
👤 Median Age
34.1 years
This area
34.1 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
13.9%
This area
13.9%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 95.8%
Other/Mixed 4.0%
Hispanic/Latino 2.4%
Black/African American 0.1%
👶 Under 18
26.8%
This area
26.8%
USA
22.0%
👴 65 and Over
19.0%
This area
19.0%
USA
17.3%
📊 Poverty Rate
2.3%
This area
2.3%
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

🎓 Schools in 65284

B+ Avg School Grade
3 Schools
11.5:1 Avg Class Size
$15,928 Avg Per Pupil

Schools in This ZIP Code

A Very Good

STURGEON HIGH

📚 09 – 12 High School
👥
138 Students
👨‍🏫
10.8:1 Class Size
💰
$15,928 Per Student
B+ Above Average

STURGEON ELEMENTARY

📚 Pre-K – 05 Elementary
👥
224 Students
👨‍🏫
12.2:1 Class Size
💰
$15,928 Per Student
B+ Above Average

STURGEON MIDDLE

📚 06 – 08 Middle
👥
98 Students
👨‍🏫
11.6:1 Class Size
💰
$15,928 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 Sturgeon in MO worth investing in?

Our data puts Sturgeon, MO at 3.0/5 for investability. Home prices of $347K and rents around $891/mo create a solid backdrop for investor activity.

What price range are homes in Sturgeon, MO?

Median home price in Sturgeon, MO is near $347K, with a 5-year CAGR of 0.0%. Prices have been consistent and supportive of buy-and-hold strategies.

How quickly do rentals get leased in Sturgeon, MO?

Sturgeon, MO carries elevated vacancy risk. Expect stable absorption at market rents of $891/mo.

What real estate strategy is ideal for Sturgeon, MO?

Sturgeon, MO investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($347K prices, $891/mo rents) make it a reasonable choice.

How strong are rents in Sturgeon, MO?

The typical rental in Sturgeon, MO commands about $891/mo monthly. That rent profile even-keeled cash flow against the $347K purchase basis.

You know 65284 now. You don’t know where it ranks.

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How 65284 ranks in Columbia, MO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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