ZIP Code 64776 — Lowry City, MO Home Prices (2026)
The typical home in ZIP 64776 (Lowry City, Missouri) is worth about $212,000 at roughly $252 per square foot — about the same as the Lowry City median and 28% more affordable than the typical U.S. home.
How 64776 compares
ZIP 64776 is a mid-priced ZIP code for Lowry City: its typical home value of $212,000 ranks #2 of the 3 Lowry City ZIP codes we track (the citywide range runs from $146,000 in 64763 to $220,000 in 64740). Per square foot it costs about $252, against $149 for Lowry City as a whole, $160 for Missouri, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 64776 | $212,000 | $252 |
| Lowry City, MO | $212,000 | $149 |
| Missouri | $247,000 | $160 |
| United States | $294,000 | $195 |
Home value by size in 64776
Using this ZIP’s rate of about $252 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 | $252,000 |
| 1,500 sq ft | $378,000 |
| 2,000 sq ft | $504,000 |
| 2,500 sq ft | $630,000 |
| 3,000 sq ft | $756,000 |
Salary needed to buy a home in ZIP 64776
To buy the typical $212,000 home in ZIP 64776 with 20% down, you need a household income of roughly $58,000 a year (about $1,350 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $69,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,600 | $1,670/mo | $72,000/yr |
| 10% (+PMI) | $21,200 | $1,600/mo | $69,000/yr |
| 20% | $42,400 | $1,350/mo | $58,000/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 64776
At about $252 per square foot, here is roughly how much home different budgets get you in ZIP 64776:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 600 sq ft | below the local median — condos, smaller or older homes |
| $200k | 790 sq ft | around the typical home here |
| $250k | 990 sq ft | around the typical home here |
| $300k | 1190 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1590 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 64776 home.
Estimate a specific home in 64776
The estimator below is pre-set to ZIP 64776 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Lowry City ZIP codes by home value
Where 64776 sits among Lowry City’s 3 ZIP codes:
ZIP 64776 home prices: frequently asked
What is the average home price in ZIP code 64776? +
What is the price per square foot in 64776? +
What salary do you need to buy a house in ZIP 64776? +
Is 64776 an expensive ZIP code? +
See the full Lowry City 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.