Dearborn: Housing & Real Estate
Dearborn homes sell at a median $185,600 (estimated market value runs 15% higher at $213,142), with median rent $454 (2.9× below Platte County median $1,334; 2.3× below Missouri median $1,033). Homeownership rate: 74.1%. That's 1.9× below the Platte County median ($345,100); 1.2× below the Missouri median ($230,300). Market is warm. Vacancy rate 18.2%. New construction makes up 6.5% of stock. A municipal building code is in effect.
- 3.7× annual income — home value vs. household income (vs Missouri 3.2×).
- 34.1 years to break even renting at the median (vs Missouri 16y).
- 4-BR rent is 2.0× a studio — rent gradient by unit size.
- Median rent 57% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $185,600 — 0.9× the Missouri median ($212,900). Median rent $454/month. homeownership rate 74.1% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 3.7× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 12.3% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 40.0% |
| Affordability · Poverty Rate | 12.0% |
| Affordability · Property Tax Pct Income | 3.7% |
| Fair Market Rent · Studio rent | $774 (vs Missouri $955) |
| Fair Market Rent · One-bedroom rent | $832 (vs Missouri $995) |
| Fair Market Rent · Two-bedroom rent | $1,077 (vs Missouri $1,218) |
| Fair Market Rent · Three-bedroom rent | $1,363 (vs Missouri $1,568) |
| Fair Market Rent · Four-bedroom rent | $1,566 (vs Missouri $1,812) |
| Fair Market Rent · HUD FMR area | St. Joseph, MO-KS MSA |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $213,142 |
| Median Home Value | $185,600 (vs Missouri $212,900) |
| Median Rent | $454 (vs Missouri $1,097) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 18.2% |
| Housing Market · New construction (% of stock) | 6.5% |
| Housing Market · Price Appreciation 2Yr | 6.1% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (2)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% (at Missouri median) |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% (at Missouri median) |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% (at Missouri median) |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 99.7% (vs Missouri 92.3%) |
| Broadband · Broadband-capable premises | 342 |
| Electricity · Electricity rate (¢/kWh) | 12.91¢/kWh |
| Electricity · Customers | 2933914 |
| Electricity · Revenue Millions | $4,548 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0.000000000 |
| Mobile Broadband · 4G mobile coverage | 1.000000000 (at Missouri median) |
| Mobile Broadband · 5G mobile coverage | 1.000000000 (at Missouri median) |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 74.1% (vs Missouri 60.9%) |
|---|---|
| Median Year Built | 1962 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12