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Market MapColumbia, MO
Metropolitan Area

Columbia, MO

Missouri0
60
/100
Buy
#508 of 894 metros
Top 57% nationally for investing

Market Snapshot

$309,172
Median Home Price
27% above national median
$1,319/mo
Median Rent
5% below national median
5.12%
Rent-to-Price Ratio
Top 72% nationally
-$763
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$309,172
Down Payment (20%)$61,834
Loan Amount$247,338
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,319
Monthly P&I-$1,621
Est. Expenses (35%)-$462
Net Cash Flow-$764/mo
3.3%
Cap Rate (all cash)
-12.9%
Cash-on-Cash Return
5.12%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.3% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
60/100
60
Cash Flow(30%)
47/100

Based on 5.12% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
81/100

Based on 3.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
64/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (5.12%)
  • -Negative cash flow at typical financing (-$763/mo)
  • -Negative leverage (cap rate 3.3% < mortgage rate 6.9%)

Counties in Columbia, MO

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Lincoln, IL
Lincoln, IL
80$130,608Est.Strong BuyView
Bucyrus, OH
Bucyrus, OH
80$152,779Est.Strong BuyView
Portsmouth, OH
Portsmouth, OH
80$135,768Est.Strong BuyView
Sterling, IL
Sterling, IL
80$138,792Est.Strong BuyView
Williamsport, PA
Williamsport, PA
79$224,545$1,7679.44%Strong BuyView
Current
Columbia, MO
60$309,172$1,3195.12%Buy

The Bottom Line

BuyColumbia, MO offers solid investment potential with good cash flow or appreciation prospects.

The Columbia, MO metro area scores 60/100, ranking #508 of 894 US metros (top 57%). The 5.12% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-763/mo
Cap Rate
3.3%
Cash-on-Cash
-14.8%

Ready to Invest in Columbia, MO?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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