Real Estate Investing in Humansville, Missouri (65674)

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

Polk County • Population: 2,760 • Data updated: September 2026

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Should you buy in 65674 (Humansville, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (50/100)

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
  • High vacancy: 22.7% of homes vacant — above national norms.
  • Lower household income: $35,139 median — tenant affordability is tighter.

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

What’s happening in Humansville, MO (65674)?

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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 $233,313
Avg Monthly Rent $801
1% Rule ✗ Does Not Meet
Median Income $35,139
% Renters 29.4%

Market Analysis: 65674 Humansville

ZIP 65674 in Humansville, MO carries a substantial set of headwinds. Home values near $233K and rents of $801/mo sit inside a market where underwriting has to be tight.

From a cash-flow lens, the numbers look inviting — $233K purchase price, 0.0% nominal cap — the work to hit that pro forma in 65674 is substantial and deserves full respect.

Meanwhile, 65674 offers a low basis, the region around Humansville has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Who lives in 65674 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Distressed ZIPs reward experience. robust returns are possible in 65674, 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 Humansville:

C+ Average
Buy Confidence Score: 60/100
Affordability
5/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.6× the median income
Value Trend
Rising (+10.6%)
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: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Springfield, MO Metro Area
Even conditions for buyers and sellers
48 days
Average time to sell
Average
9.2%
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 Springfield, MO metro data
🏠

Property Strategy for 65674

Which property type performs best in this market?

Best for Cash Flow
2BR
4.9% cap rate
Best for Appreciation
3BR
+10.5% 5yr CAGR
Best Overall Value
2BR
$65,694/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $131,389 $890 4.9% $65,694
3BR $209,464 $1,220 4.2% +10.5% $69,821

Market Trends

Home Value History (with trend line)

$257K$216K$175K$134K$93K$52KApr 2009Dec 2017Jul 2026

📊 How Does 65674 Compare?

Metric 65674 Humansville Springfield, MO Missouri
Home Value $233,313 $233,313 N/A $254,657
5-Year CAGR 8.4% 8.4% N/A 7.0%
Avg Rent $801 $801 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 65674? 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 65674 (Humansville, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+8.4%
Strong

📉 Market Crash Risk Index

Based on Springfield, MO metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
52%
Days Pending
1/2
48 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $233,313
Monthly Rent $801
Price-to-Rent 24.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 11.1%

📈 Home Appreciation

1-Year +10.6% ▲
3-Year CAGR +7.1% ▲
5-Year CAGR +8.4% ▲
10-Year CAGR +8.6% ▲

🏠 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
22.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.4%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 65674

Population: 2,760

💰 Median Household Income
$35,139
This area
$35,139
State
$62,768
USA
$74,580
🏠 Renter Occupied
29.4%
This area
29.4%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-8.1%
USA
3.7%
🎓 College Educated
13.1%
This area
13.1%
State
8.6%
USA
33.7%
👤 Median Age
41.1 years
This area
41.1 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
22.7%
This area
22.7%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 85.2%
Other/Mixed 14.0%
Hispanic/Latino 9.1%
Asian 0.5%
Black/African American 0.3%
👶 Under 18
31.9%
This area
31.9%
USA
22.0%
👴 65 and Over
17.8%
This area
17.8%
USA
17.3%
📊 Poverty Rate
14.3%
This area
14.3%
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 65674

B Avg School Grade
3 Schools
10.4:1 Avg Class Size
$12,533 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

HUMANSVILLE ELEM.

📚 Pre-K – 05 Elementary
👥
137 Students
👨‍🏫
7.9:1 Class Size
💰
$12,533 Per Student
B Good

HUMANSVILLE HIGH

📚 09 – 12 High School
👥
95 Students
👨‍🏫
11.0:1 Class Size
💰
$12,533 Per Student
B Good

HUMANSVILLE MIDDLE SCHOOL

📚 06 – 08 Middle
👥
94 Students
👨‍🏫
12.4:1 Class Size
💰
$12,533 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

Are rents high in Humansville, MO?

Rents in Humansville, MO run near $801/mo. Compared with median home prices of $233K that produces solid gross yields for typical rentals.

What price range are homes in Humansville, MO?

Median home price in Humansville, MO is near $233K, with a 5-year CAGR of 0.0%. Prices have been even-keeled and supportive of buy-and-hold strategies.

What real estate strategy is ideal for Humansville, MO?

Humansville, MO investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($233K prices, $801/mo rents) make it a reasonable choice.

Does Humansville, MO favor landlords or tenants?

Humansville, MO operates under MO law, which is landlord-friendly overall for landlords. Expect measured treatment in typical lease and eviction cases.

What is the rental occupancy rate in Humansville, MO?

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

You know 65674 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 65674 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 65674 ranks in Springfield, MO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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