Median home value in zip code 64401 (Agency, MO) is $317,020, up 8.0% year over year. Part of the St. Joseph, MO-KS metropolitan area.

Home Value$317,020

YoY Change

+8.0%

Prices rising — worse for buyers.

Affordability

Enter your income for 64401 (Agency).

Income (annual)

Down Payment

$63,404 on $317,020

Example: $75,000 household income. Change it above to see your own.

Stretch32.4% of income

Above 28% but manageable with cuts.

PITI$2,026

P/I32.4%

Afford$274K

Gap-$43K

P&I $1,603Tax $256Ins $167

6.50% 30yr, 20% down, county tax + MO ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

64401 is part of the St. Joseph, MO-KS metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View St. Joseph, MO-KS analysis

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