Elsberry, MO—63343
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Elsberry, MO
Home Price Trends — Elsberry, MO
As of Oct '25, the median home price in Elsberry, MO is $195,000, with a year-over-year change of 4.2%. This indicates that home prices in Elsberry, MO are increasing. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $195,000 | 4.2% |
| Single Family | $196,000 | 4.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $139,000 | 3.7% |
3 Bed | $254,000 | 8.1% |
4 Bed | $378,000 | 6.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Elsberry, MO
As of July '25, Rentcast reports the average rent in Elsberry, MO is $1,200, with a year-over-year rent change of 66.7%. Per bedroom, the median rent as of July '25 in Elsberry, MO is 3-bedrooms: $1,200. The most common rental property sizes in Elsberry, MO are 3-bedroom and 2-bedroom, accounting for 48.8% and 24.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,200 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,200 | $1,200 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Elsberry, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Elsberry, MO is 53. This is a increase of 58.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 8.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $153,000 | -28.0% |
Listing Count | 25 | 100.0% |
| Listings as % of Homes | 0.5% | 100.0% |
Days on Market | 53 | 58.0% |
Demographics — Elsberry, MO
As of the latest ACS Survey released in 2023, Elsberry, MO has a population of 4,920, which has increased by 11.7% over the past 5 years. Elsberry, MO is a popular place for families, as children make up 26.8% of the population. The area has a poorly educated workforce, with 15.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,920 | 11.7% |
% Under 18 | 26.8% | 7.2% |
% Seniors | 12.4% | -29.5% |
% WFH | 4.9% | 81.5% |
% w/ College Degree | 15.2% | 0.0% |
As of the latest ACS Survey released in 2023, Elsberry, MO is a predominantly white area, with 92.0% of the population identifying as white. The white population has shrunk by 1.4% in the last 5 years. The second most common race or ethnicity in Elsberry, MO is black, making up 3.3% of the population. Foreign-born residents account for 0.1% of the population in Elsberry, MO, and this percentage has decreased by 91.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 92.0% | -1.4% |
% Black | 3.3% | 13.8% |
% Hispanic | 0.4% | -50.0% |
% Asian | 0.1% | ∞% |
% Foreign Born | 0.1% | -91.7% |
Mortgage and Risk — Elsberry, MO
According to HUD data as of 2023, there were 78 mortgage originations in Elsberry, MO, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 76.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in Elsberry, MO. Investor activity is low, as 5.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 78 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 5.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Elsberry, MO
Elsberry, MO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 104 |
Total Units Section 8 | 104 |
% Rentals under Section 8 | 21.4% |
% Occupied Section 8 | 58.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $980 |
| 2 Bedroom | N/A | N/A | $1,210 |
| 3 Bedroom | $360 | $1,200 | $1,560 |
| 4 Bedroom | N/A | N/A | $1,790 |
Affordability — Elsberry, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $195,000 |
| Median Household Income | $71,500 |