ZIP Code 64050 — Independence, MO Home Prices (2026)

The typical home in ZIP 64050 (Independence, Missouri) is worth about $180,000 at roughly $133 per square foot — 12% more affordable than the Independence median and 39% more affordable than the typical U.S. home.

$180,000

Typical home value

$133

Price per sq ft

#4 of 6

Independence ZIPs by value

-12%

vs Independence median

How 64050 compares

ZIP 64050 is a mid-priced ZIP code for Independence: its typical home value of $180,000 ranks #4 of the 6 Independence ZIP codes we track (the citywide range runs from $123,000 in 64053 to $300,000 in 64057). Per square foot it costs about $133, against $150 for Independence as a whole, $160 for Missouri, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 64050	$180,000	$133
Independence, MO	$205,500	$150
Missouri	$247,000	$160
United States	$294,000	$195

Home value by size in 64050

Using this ZIP’s rate of about $133 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$133,000
1,500 sq ft	$199,500
2,000 sq ft	$266,000
2,500 sq ft	$332,500
3,000 sq ft	$399,000

Salary needed to buy a home in ZIP 64050

To buy the typical $180,000 home in ZIP 64050 with 20% down, you need a household income of roughly $49,000 a year (about $1,140 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $58,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$9,000	$1,420/mo	$61,000/yr
10% (+PMI)	$18,000	$1,360/mo	$58,000/yr
20%	$36,000	$1,140/mo	$49,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 64050

At about $133 per square foot, here is roughly how much home different budgets get you in ZIP 64050:

Budget	Approx. size	What that looks like locally
$150k	1130 sq ft	around the typical home here
$200k	1500 sq ft	around the typical home here
$250k	1880 sq ft	above the median — larger homes or the pricier ZIPs
$300k	2260 sq ft	above the median — larger homes or the pricier ZIPs
$400k	3010 sq ft	above the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 64050 home.

Estimate a specific home in 64050

The estimator below is pre-set to ZIP 64050 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Independence ZIP codes by home value

Where 64050 sits among Independence’s 6 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	64057	$300,000	$165
2	64056	$235,000	$187
3	64055	$231,000	$148
4	64050 (this page)	$180,000	$133
5	64052	$173,000	$152
6	64053	$123,000	$122

ZIP 64050 home prices: frequently asked

What is the average home price in ZIP code 64050? +

The typical home in ZIP 64050 (Independence, MO) is worth about $180,000 as of 2026. That is 12% more affordable than the Independence median of $205,500 and 39% more affordable than the U.S. median of $294,000.

What is the price per square foot in 64050? +

About $133 per square foot in 64050, versus $150 across Independence and $160 across Missouri. At that rate a 1,500 sq ft home runs roughly $199,500 and a 2,500 sq ft home about $332,500.

What salary do you need to buy a house in ZIP 64050? +

For the typical $180,000 home in ZIP 64050, a household income of about $49,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $58,000; with 5% down about $61,000.

Is 64050 an expensive ZIP code? +

Within Independence, 64050 ranks #4 of 6 ZIP codes by typical home value, which makes it a mid-priced ZIP code for Independence. Nationally it is relatively affordable.

See the full Independence home values page, all Missouri cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.