Westphalia, MO—65085
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Westphalia, MO
Home Price Trends — Westphalia, MO
As of Oct '25, the median home price in Westphalia, MO is $272,000, with a year-over-year change of 2.5%. This indicates that home prices in Westphalia, MO are increasing. According to Zillow, the 1-year price projection is 2.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $272,000 | 2.5% |
| Single Family | $272,000 | 2.3% |
| 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 | $227,000 | 2.7% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Westphalia, MO
Westphalia, 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 — Westphalia, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Westphalia, MO is 46. This is a decrease of -17.0% 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 | $770,000 | 289.0% |
Listing Count | 2 | 0.0% |
| Listings as % of Homes | N/A | 0.0% |
Days on Market | 46 | -17.0% |
Demographics — Westphalia, MO
As of the latest ACS Survey released in 2023, Westphalia, MO has a population of 1,140, which has decreased by -9.8% over the past 5 years. Westphalia, MO is a popular place for families, as children make up 28.0% of the population. The area has a moderately educated workforce, with 37.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 15.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,140 | -9.8% |
% Under 18 | 28.0% | 31.5% |
% Seniors | 18.1% | -20.3% |
% WFH | 15.6% | 1,633.3% |
% w/ College Degree | 37.4% | 79.8% |
As of the latest ACS Survey released in 2023, Westphalia, MO is a predominantly white area, with 97.5% of the population identifying as white. The white population has grown by 0.1% in the last 5 years. The second most common race or ethnicity in Westphalia, MO is hispanic, making up 1.4% of the population. Foreign-born residents account for 0.3% of the population in Westphalia, MO, and this percentage has increased by 200.0% 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 | 97.5% | 0.1% |
% Black | 0.0% | -100.0% |
% Hispanic | 1.4% | -17.6% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.3% | 200.0% |
Mortgage and Risk — Westphalia, MO
According to HUD data as of 2023, there were 46 mortgage originations in Westphalia, MO, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 73.0%, with 11.0% above 90% LTV (elevated). This implies medium mortgage risk in Westphalia, MO. Investor activity is low, as 4.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 46 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 4.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Westphalia, MO
Westphalia, MO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $630 |
| 2 Bedroom | N/A | N/A | $820 |
| 3 Bedroom | N/A | N/A | $1,160 |
| 4 Bedroom | N/A | N/A | $1,230 |
Affordability — Westphalia, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | N/A |
| Median Home Price | $272,000 |
| Median Household Income | $102,000 |