HousingHandbookReference data

U.S. ZIP Code · MO64485

Andrew County · St. Joseph, MO-KS

Typical home value

$267,195[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+5.9%
5-year / yr
+6.0%
10-year / yr
+6.8%

Relative price

vs U.S.
-5.9%
vs metro
+11.4%
vs state
+11.1%
ZIP 64485 location in MO
Location of ZIP 64485 in MO

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 64485 is worth $267,195 — 11.4% above the St. Joseph, MO-KS median. Over the past year, values have risen 5.9%. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.7%[3]
Typical annual tax
$1,932[3]

#Climate risk

FEMA National Risk Index ratings for Andrew County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Very Low[4]
Riverine flood
Very Low
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Relatively Moderate
Heat wave
Relatively Low
Hurricane
No Rating
Tornado
Relatively Moderate
Earthquake
Very Low
Winter weather
Relatively Low

#Who lives here

Population
7,998[3]
Median household income
$67,929[3]

#Migration

Household moves in and out of Andrew County over a year, from IRS tax-return data.

Net migration
+37[5]
Moved in
541
Moved out
504

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
4
Elementary
1
Middle
1
High
1
  • SAVANNAH HIGH

    High · Grades 9–12 · SAVANNAH R-III

    734 students

  • MINNIE CLINE ELEM.

    Elementary · Grades K–5 · SAVANNAH R-III

    613 students

  • SAVANNAH MIDDLE

    Middle · Grades 6–8 · SAVANNAH R-III

    524 students

  • EARLY CHILDHOOD LEARNING CTR

    Prekindergarten · Grades PK · SAVANNAH R-III

    66 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,351
Loan principal$213,756
Down payment$53,439
Total interest paid$272,634

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,734
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
20th percentile[1]
Rental yield
[2]
Property tax
41st percentile[3]

Frequently asked

How much is a home worth in ZIP code 64485?
The typical home in 64485 is worth $267,195, based on the Zillow Home Value Index.
Are home values rising in 64485?
Home values in 64485 are up 5.9% over the past year, and up 6.0% a year over five years.
What is the property tax rate in 64485?
The effective property tax rate in 64485 is 0.7% — roughly $1,932 a year on a typical home.
Who lives in 64485?
ZIP code 64485 has a population of 7,998 and a median household income of $67,929.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • MO

    Typical home
    $267,256
    Gross yield
  • Osborn, MO

    Typical home
    $265,754
    Gross yield
  • Rosendale, MO

    Typical home
    $263,995
    Gross yield
  • Clarksdale, MO

    Typical home
    $263,763
    Gross yield
  • Weatherby, MO

    Typical home
    $277,245
    Gross yield
  • St. Joseph, MO

    Typical home
    $277,303
    Gross yield

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