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Market MapMissouriCole

Cole County

MissouriPopulation: 76,890
59
/100
Hold
#359 of 1,000 counties
#81 in Missouri (113 counties)

Market Snapshot

$270,114
Median Home Price
16% above national median
$951/mo
Median Rent
37% below national median
4.22%
Rent-to-Price Ratio
Top 91% nationally
-$798
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$270,114
Down Payment (20%)$54,023
Loan Amount$216,091
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$951
Monthly P&I-$1,416
Est. Expenses (35%)-$333
Net Cash Flow-$798/mo
2.8%
Cap Rate (all cash)
-15.4%
Cash-on-Cash Return
4.22%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 2.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
59/100
59
Cash Flow(30%)
33/100

Based on 4.22% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
90/100

Based on 6.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
73/100

Price-to-income ratio of 3.8x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Strong price appreciation (+6.3% YoY)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (4.22%)
  • -Negative cash flow at typical financing (-$798/mo)
  • -Negative leverage (cap rate 2.8% < mortgage rate 6.9%)

Economic Indicators

Population
76,890
Median Income
$70,667
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.8x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
Saint CharlesMO
60$360,670$1,7005.66%BuyView
Cape GirardeauMO
60$236,877$9084.60%BuyView
CurrentColeMO
59$270,114$9514.22%Hold
McDonaldMO
59$224,100Est. pending—HoldView
ChristianMO
58$306,158$1,3585.32%HoldView
GreeneMO
58$248,367$1,2546.06%HoldView

The Bottom Line

HoldCole is a neutral market. Consider house hacking or targeting below-market deals.

Cole County in Missouri scores 59/100, ranking #359 of 1,000 US counties (top 47%). The 4.22% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-798/mo
Cap Rate
2.8%
Cash-on-Cash
-15.4%

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