ZIP Code · MO

ZIP 65401

Part of Rolla, MO

Pop. 32,714·Phelps County·135th most expensive ZIP in Missouri

Median rent (all units)

$824/mo

Year-over-Year

+4.3%

Month-over-Month

-1.3%

vs US Median

-$1,108

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 65401 · $824

More affordable than 100% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$730

1 BR

$740

2 BR

$930

3 BR

$1,220

4 BR+

$1,240

Research median

$930/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 65401 is 2.1% below its high of $842 in June 2026, at $824 as of September 2026.

Past year vs. the rest of Missouri

Rent in ZIP 65401 changed +4.3% over the year to September 2026. Across the 119 Missouri ZIP codes Zillow tracks, the typical change was +4.6%.

Recent direction

Rent has fallen 3 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($56,081) is $1,402 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($1,240).

From Zillow's monthly rent index (ZORI) for ZIP 65401. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$9,888/yr

At $824/mo median

Location

CityRolla

StateMO

CountyPhelps County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+4.3% YoY, -1.3% MoM), not inventory.

Demographics

Who lives here

ZIP 65401 (Rolla, MO) is majority owner-occupied, skews toward younger working-age adults, has a median income below the national average, 36% of residents hold a bachelor's degree or higher.

Population

32,714

Median income

$56,081

Median age

33.8

Renters

44.5%

Age distribution

19.8%

31.4%

21.9%

15.5%

Under 1819.8%

18–3431.4%

35–5421.9%

55–6411.3%

65+15.5%

Gender

53.7%

46.3%

Male53.7%

Female46.3%

Race & ethnicity

85.2%

White85.2%

Black3.2%

Hispanic3.3%

Asian5.1%

Other3.2%

Education (25+)

30.5%

25.7%

36%

No HS diploma7.9%

HS diploma30.5%

Some college25.7%

Bachelor's+36%

Housing tenure

55.5%

44.5%

Owner55.5%

Renter44.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 65401 in Rolla, MO has changed in 5 years

Rent

$690 → $824

up 19.4%

Income

$46,453 → $56,081

up 20.7%

Population

32,947 → 32,714

down 0.7%

Renter share

44% → 44.5%

+0.5 pts

Bachelor's+

35.7% → 36%

+0.3 pts

Median age

32.7 → 33.8

+1.1 yrs

Five years ago, renters in ZIP 65401 in Rolla, MO paid around $690 a month. That figure now sits near $824, up 19.4% from the 2023 baseline. Median household income climbed from $46,453 to $56,081 between 2021 and 2024, a 20.7% shift. Taken together, the five-year picture in ZIP 65401 in Rolla, MO reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 65401

Last updated: October 17, 2026

ZIP code 65401 covers Rolla, MO. The median rent here is $824/mo as of October 2026. A 1-bedroom rents for a median of $740/mo. A 2-bedroom rents for a median of $930/mo.

At 18% of local median household income ($56,081/yr), ZIP 65401 ranks as affordable compared to the national benchmark of 30%. Rents have increased 4.3% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 65401?

To keep rent at or below 30% of gross income, you would need to earn at least $33,000/year (about $16/hour full-time) to afford the median rent of $824/mo in ZIP 65401. The local median household income is $56,081/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 65401?

Rent in ZIP 65401 has risen 4.3% over the past year as of September 2026. It sits 2.1% below its high of $842 in June 2026.

How does ZIP 65401 compare to other ZIPs in Missouri?

ZIP 65401 is one of the more affordable among Missouri ZIP codes for rent, ranking #135 of 137 at $824/mo. Over the year to September 2026, rent in ZIP 65401 changed +4.3%, against a typical +4.6% across the 119 Missouri ZIP codes Zillow tracks.