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Market MapMissouriPhelps

Phelps County

MissouriPopulation: 44,843
55
/100
Hold
#665 of 1,000 counties
#100 in Missouri (113 counties)

Market Snapshot

$221,193
Median Home Price
19% below national median
$784/mo
Median Rent
48% below national median
4.25%
Rent-to-Price Ratio
Top 91% nationally
-$650
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$221,193
Down Payment (20%)$44,239
Loan Amount$176,954
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$784
Monthly P&I-$1,160
Est. Expenses (35%)-$274
Net Cash Flow-$650/mo
2.8%
Cap Rate (all cash)
-15.3%
Cash-on-Cash Return
4.25%
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
55/100
55
Cash Flow(30%)
34/100

Based on 4.25% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
76/100

Based on 2.6% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
68/100

Price-to-income ratio of 4.2x. 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

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (4.25%)
  • -Negative cash flow at typical financing (-$650/mo)
  • -Negative leverage (cap rate 2.8% < mortgage rate 6.9%)

Economic Indicators

Population
44,843
Median Income
$53,242
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
4.2x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
JohnsonMO
57$272,265$1,0294.53%HoldView
LacledeMO
57$225,955$8754.65%HoldView
WashingtonMO
57$180,033Est. pending—HoldView
PlatteMO
56$375,490$1,6265.20%HoldView
CurrentPhelpsMO
55$221,193$7844.25%Hold
DallasMO
55$229,545Est. pending—HoldView

The Bottom Line

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

Phelps County in Missouri scores 55/100, ranking #665 of 1,000 US counties (top 66%). The 4.25% 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
$-650/mo
Cap Rate
2.8%
Cash-on-Cash
-15.3%

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