Risco, MO
63874 · Risco, MO has a HavenScore of 62 — affordability carries it — prices sit within reach of local incomes.
At the ZIP's typical value, the estimated monthly payment takes 12% of the local median income (Zillow, US Census ACS). The buyer/seller gauge leans firmly toward sellers, and has for 7 months. Typical values moved higher over the last 90 days (Zillow ZHVI). The accessible band reflects the longer-run affordability and risk picture; the seller lean is the near-term negotiating climate, and the two can differ.
Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.
Zillow ZHVI peaked at $75,030 in Aug 2024; the latest value is -6.8% from that peak, 23 months on. Since January 2019 it is +40.9%. The sharpest 12-month move was -14.3%, ending Aug 2025.
This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.
Buyer view active — Leans harder on affordability and downside risk.
Score inputs below recompute for this view
Snapshot
Numbers at a glance, with a year of history under each
Place
What it is like to live here, and what could flood or burn
Bands are each source’s own · tick marks the national median ZIP · not blended into the score
Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 8 scored ZIPs in New Madrid County
What drives the score
Five pillars, each scored 0–100
Market signals
Tailwinds and headwinds right now
- Affordable vs. income1.6× income — below the national median
- Strong price appreciation+9.1% year-over-year
- Limited new supplyOnly 0.9 permits per 1,000 — supply constrained
- Population outflow-10.7% net — people leaving
- Potentially overvalued37% above historical price-to-income
Market conditions
Seller's Market
Sellers hold the leverage. Bidding wars and over-asking offers are common.
Cycle read. Accelerating: prices +9.1% over the trailing year, with the market leaning toward sellers.
The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown. Redfin does not publish every ZIP every month; a dash means no closed-sale figure for the latest month.
Momentum check
What's changed in the last 90 days
Trend
Where it's been
Forecast
Where it's heading
The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.
Monthly cost
What you'd owe each month
20% down · 30-yr fixed · 6.71% · tax 1.01%
Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
12%of the ZIP’s median income at the median value ($449/mo against $43,125 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.
Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable
Run the numbers
Your price, rate, down payment and income
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Comparable ZIPs
Same shape, lower entry
ZIPs the score groups near 63874 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).
- Saves $7k
- Similar commute
- Similar walkability
- Similar hazard risk
- Saves $2k
- Longer commute (+23 min)
- Similar walkability
- Similar hazard risk
- Saves $31k
- Shorter commute (−4 min)
- More walkable
- Higher hazard risk
- Saves $29k
- Similar commute
- More walkable
- Higher hazard risk
Sources
Every number, traced
Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.
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