Median home value in zip code 65240 (Centralia, MO) is $270,727, up 5.4% year over year. Part of the Columbia, MO metropolitan area.

Home Value$270,727

YoY Change

+5.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 65240 (Centralia).

Income (annual)

Down Payment

$54,145 on $270,727

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

Stretch28.1% of income

Above 28% but manageable with cuts.

PITI$1,754

P/I28.1%

Afford$270K

Gap-$617

P&I $1,369Tax $219Ins $167

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

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

Metro Analysis

65240 is part of the Columbia, MO metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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