Real Estate Investing in Mount Vernon, Missouri (65712)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 65712 (Mount Vernon, MO)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 10.8% vacancy may signal weakening demand.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Mount Vernon, MO (65712)?
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Market Analysis: 65712 Mount Vernon
The 65712 ZIP in Mount Vernon, MO is a local-operator market. Outside capital chasing a $234K entry has to pair deep knowledge with the discount.
For an experienced owner, 65712 can be a a viable market for hunting ground — but the discount at $234K reflects genuine risk that outside investors often underestimate.
ZIP 65712's metrics run below Lawrence County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
In practical terms, 8,910 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
The 65712 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Mount Vernon:
Property Strategy for 65712
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $138,359 | $890 | 4.6% | +10.5% | $69,179 |
| 3BR | $237,648 | $1,170 | 3.5% | +9.8% | $79,216 |
| 4BR | $316,326 | $1,340 | 3.1% | +9.0% | $79,082 |
Market Trends
Home Value History (with trend line)
📊 How Does 65712 Compare?
| Metric | 65712 | Mount Vernon | Missouri |
|---|---|---|---|
| Home Value | $234,004 | $234,004 | $254,657 |
| 5-Year CAGR | 7.1% | 7.1% | 7.0% |
| Avg Rent | $801 | $801 | - |
| Cap Rate | 2.7% | 2.7% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 65712 (Mount Vernon, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $234,004 |
| Monthly Rent | $801 |
| Price-to-Rent | 24.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.1% |
| Cap Rate | 2.7% |
| 5-Year IRR | 9.7% |
📈 Home Appreciation
| 1-Year | +1.6% ▲ |
| 3-Year CAGR | +3.9% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | +7.9% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
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.
Demographics in 65712
Population: 8,910
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 65712
Schools in This ZIP Code
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
How much rent can I charge in Mount Vernon, MO?
Rents in Mount Vernon, MO run near $801/mo. Compared with median home prices of $234K that produces solid gross yields for typical rentals.
Are there empty rentals in Mount Vernon, MO?
Mount Vernon, MO sees elevated vacancy, which is reasonable relative to the broader MO rental market.
How strong is Mount Vernon, MO for real estate investors?
Mount Vernon, MO scores 3.0/5 for investability. Home values sit at $234K and rents near $801/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
What real estate strategy is ideal for Mount Vernon, MO?
For Mount Vernon, MO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How strong is tenant demand in Mount Vernon, MO?
Mount Vernon, MO draws a steady base of working renters. Demand at the $801/mo rent level is reasonable for standard single-family and small multi rentals.
You know 65712 now. You don’t know where it ranks.
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