Real Estate Investing in Willard, Missouri (65781)

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

Greene County • Population: 9,160 • Data updated: September 2026

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Should you buy in 65781 (Willard, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (80/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Willard, MO (65781)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $277,930
Avg Monthly Rent $1,600
1% Rule ✗ Does Not Meet
Median Income $75,214
% Renters 27.8%

Market Analysis: 65781 Willard

ZIP 65781 in Willard, MO carries a substantial set of headwinds. Home values near $278K and rents of $1,600/mo sit inside a market where underwriting has to be tight.

Distressed markets are won on execution, not on spreadsheets. ZIP 65781 records the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Stepping back, 65781 offers a low basis, the region around Willard has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

A solid renter share of 28% in 65781 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Strategically, 65781 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Willard:

C+ Average
Buy Confidence Score: 69/100
Affordability
15/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Rising (+4.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,600/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 65781

Which property type performs best in this market?

Best for Cash Flow
3BR
5.1% cap rate
Best for Appreciation
2BR
+9.1% 5yr CAGR
Best Overall Value
4BR
$78,530/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $216,723 $1,290 4.3% +9.1% $108,362
3BR $249,821 $1,760 5.1% +8.5% $83,274
4BR $314,121 $2,000 4.6% +6.9% $78,530

Market Trends

Home Value History (with trend line)

$292K$253K$215K$176K$138K$99KSep 2007Feb 2017Jul 2026

Rent History (with trend line)

No data available

📊 How Does 65781 Compare?

Metric 65781 Willard Springfield, MO Missouri
Home Value $277,930 $277,930 N/A $254,657
5-Year CAGR 5.9% 5.9% N/A 7.0%
Avg Rent $1,600 $1,600 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 65781? 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 65781 (Willard, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+5.9%
Moderate

📉 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 $277,930
Monthly Rent $1,600
Price-to-Rent 14.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.9%
Cap Rate 4.5%
5-Year IRR 10.4%

📈 Home Appreciation

1-Year +4.4% ▲
3-Year CAGR +3.6% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR +7.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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
1.0%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 65781

Population: 9,160

💰 Median Household Income
$75,214
This area
$75,214
State
$62,768
USA
$74,580
🏠 Renter Occupied
27.8%
This area
27.8%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.3%
This area
1.3%
State
-8.1%
USA
3.7%
🎓 College Educated
31.8%
This area
31.8%
State
8.6%
USA
33.7%
👤 Median Age
34.8 years
This area
34.8 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
1.0%
This area
1.0%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 94.6%
Other/Mixed 5.2%
Hispanic/Latino 1.6%
Asian 0.1%
👶 Under 18
31.0%
This area
31.0%
USA
22.0%
👴 65 and Over
10.6%
This area
10.6%
USA
17.3%
📊 Poverty Rate
11.7%
This area
11.7%
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 65781

B+ Avg School Grade
5 Schools
13.3:1 Avg Class Size
$11,445 Avg Per Pupil

Schools in This ZIP Code

A Very Good

WILLARD NORTH ELEM.

📚 Pre-K – 04 Elementary
👥
318 Students
👨‍🏫
10.5:1 Class Size
💰
$11,445 Per Student
B+ Above Average

WILLARD EAST ELEM.

📚 Pre-K – 04 Elementary
👥
332 Students
👨‍🏫
12.8:1 Class Size
💰
$11,445 Per Student
B+ Above Average

WILLARD INTERMEDIATE NORTH

📚 05 – 06 School
👥
382 Students
👨‍🏫
13.0:1 Class Size
💰
$11,445 Per Student
B+ Above Average

WILLARD MIDDLE

📚 07 – 08 Middle
👥
712 Students
👨‍🏫
14.2:1 Class Size
💰
$11,445 Per Student
B Good

WILLARD HIGH

📚 09 – 12 High School
👥
1,400 Students
👨‍🏫
16.0:1 Class Size
💰
$11,445 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.

🎓 Nearby Colleges & Universities

8 Nearby 4,635 Off-Campus Students
C
Mission University
377 students · 10.6 mi
C+
Cox College
795 students · 11.1 mi
C+
Drury University
1,596 students · 11.6 mi
D
Drury University-College of Continuing Professional Studies
716 students · 11.6 mi
C+
Ozarks Technical Community College
11,036 students · 12.0 mi
C+
Evangel University
2,157 students · 12.4 mi
C
Evangel University-College of Online Learning
241 students · 12.4 mi
C+
Missouri State University-Springfield
23,418 students · 12.9 mi

Investor Insight: With 4,635 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the smart move for investors in Willard, MO?

In Willard, MO the substantial play is typically careful cash-flow rentals with hands-on management. The combination of $278K prices and $1,600/mo rents suits that approach.

How strong is tenant demand in Willard, MO?

Willard, MO draws a even-keeled base of working renters. Demand at the $1,600/mo rent level is reasonable for standard single-family and small multi rentals.

Where do rents currently stand in Willard, MO?

The typical rental in Willard, MO commands about $1,600/mo monthly. That rent profile measured cash flow against the $278K purchase basis.

Does house hacking work in Willard, MO?

House hacking works a challenging in Willard, MO. Rents of $1,600/mo against $278K acquisition make the strategy solid for owner-occupants.

What is the median home value in Willard, MO?

Typical homes in Willard, MO go for around $278K. The 5-year CAGR of 0.0% even-keeled price movement.

You know 65781 now. You don’t know where it ranks.

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How 65781 ranks in Springfield, MO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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