AccessibleUpdated MAY 20, 2026

Lincoln, MO

ZIP 65338·Benton County·3,403 residents·Median income $59,816·Leaning Buyer

65338 · Lincoln, MO has a HavenScore of 62 — population, income, and price trajectory all line up on the growth side.

Compare
62
▲ +2 / 90d#6/224 in MOHavenScore
Rank

This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
60/100
Growth
66/100
Risk
61/100
Momentum
63/100
Livability
55/100
Score · trailing 12 mo
60 → 62
+2 points
30-day
-3
90-day
+2
1-yr
+2

Snapshot

Numbers at a glance

Median price
$200,525
Typical home value
YoY change
+3.18%
12-mo trailing
Price-to-income
3.4×
healthy <4.0×
Est. monthly
$1,267
PITI · 20% · 6.51%
Active listings
21
current count
Days on market
69
median DOM
Vacancy
31.2%
Above-average
Owner-occupied
79%
of homes
Denial rate
19.2%
Average
Lending activity
471
originations
Net migration
+25.6%
net inflow
Income inflow
$60k
average
Walkability
5.7
Least walkable
Risk rating
Relatively High
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
60/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
66/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
61/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
63/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

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Signals

What's driving this score

Top 6 of 14 signals
Tailwinds3
  • Affordable vs. income
    3.4× income — below the national median
  • Strong price appreciation
    +3.2% year-over-year
  • Strong migration inflow
    +25.6% net — people moving in
Headwinds3
  • Potentially overvalued
    43% above historical price-to-income
  • Widespread price cuts
    48% of listings cutting price
  • Slow-moving market
    69 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Buyer

Conditions easing in buyers' favor. Sign in to save this ZIP and track how the score moves.

-19
Strong buyerBalancedStrong seller

Pulse

What's changed in the last 90 days

🔒 Haven
Rising

Median price

+1.9%$201k
🔒 Haven
Falling

Inventory

−8.7%21

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

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Metrics

The raw numbers

Median Home Value

$200,525

▲ +3.18% YoY
Median Rent

—

Active Inventory

21

Days on Market

69 days

Price Cuts

+48.00%

Price-to-Income

3.4×

Median Income

$59,816

Population

3,403

Overvaluation

+43.16%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
—————
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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.

Price Forecast

12-month projection · 80% calibrated interval

🔒 Haven
—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
12-month forecast + confidence intervals + AI-explained drivers unlock with Haven

Forecasts are the model’s projection, not a prediction. Actuals will differ.

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Payment

What you'd owe each month

Est. monthly payment
$1,267/ mo

20% down · 30-yr fixed · 6.51% · tax 1.01%

Principal$145
Interest$870
Property tax$169
Insurance$84
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $59,816

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

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Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
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Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report65338Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 65338 on Affordability and Growth — sorted by lowest median value.

ZIP 38603
38603
MS
52
$150,957+10.23%
ZIP 65326
Edwards
MO
56
$155,773-4.32%
ZIP 52208
Belle Plaine
IA
64
$157,092+6.26%
ZIP 38642
Lamar
MS
55
$180,047+7.02%

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.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

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