Montgomery City, MO—63361
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Montgomery City, MO
Montgomery City, MO lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $219,000 | 3.5% |
| Single Family | $219,000 | 4.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $214,000 | 4.4% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Montgomery City, MO
Montgomery City, MO lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Montgomery City, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Montgomery City, MO is 29. This is a decrease of -30.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $165,000 | -18.0% |
Listing Count | 12 | -29.0% |
| Listings as % of Homes | 0.3% | -29.0% |
Days on Market | 29 | -30.0% |
Demographics — Montgomery City, MO
As of the latest ACS Survey released in 2023, Montgomery City, MO has a population of 4,480, which has increased by 6.8% over the past 5 years. Montgomery City, MO is a moderately popular place for families, as children make up 20.6% of the population. The area has a poorly educated workforce, with 21.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,480 | 6.8% |
% Under 18 | 20.6% | -7.6% |
% Seniors | 19.4% | -3.5% |
% WFH | 6.6% | 32.0% |
% w/ College Degree | 21.7% | 40.9% |
As of the latest ACS Survey released in 2023, Montgomery City, MO is a predominantly white area, with 90.2% of the population identifying as white. The white population has shrunk by 4.6% in the last 5 years. The second most common race or ethnicity in Montgomery City, MO is black, making up 3.5% of the population. Foreign-born residents account for 0.7% of the population in Montgomery City, MO, and this percentage has increased by 40.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 90.2% | -4.6% |
% Black | 3.5% | 118.8% |
% Hispanic | 2.6% | 160.0% |
% Asian | 0.3% | 50.0% |
% Foreign Born | 0.7% | 40.0% |
Mortgage and Risk — Montgomery City, MO
According to HUD data as of 2023, there were 64 mortgage originations in Montgomery City, MO, of which 55.0% of loans were conventional mortgages. The average loan-to-value was 78.0%, with 47.0% above 90% LTV (very high). This implies large mortgage risk in Montgomery City, MO. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 64 |
% Conventional Loans | 55.0% |
% Government Loans | 45.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Montgomery City, MO
Montgomery City, MO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 102 |
Total Units Section 8 | 102 |
% Rentals under Section 8 | 23.3% |
% Occupied Section 8 | 69.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $650 |
| 2 Bedroom | N/A | N/A | $850 |
| 3 Bedroom | N/A | N/A | $1,130 |
| 4 Bedroom | N/A | N/A | $1,250 |
Affordability — Montgomery City, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.9 |
| Median Home Price | $219,000 |
| Median Household Income | $54,100 |