C

Pacific, MO

Source:

Affordability Score: 57/100

Population: 15,647 · 1 ZIP codes

The affordability dashboard for Pacific, MO aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 15,647 residents, then layers in county-level federal data to produce an overall grade of C (57/100). The headline inputs are median household income of $78,185, median home value of $292,100, median rent of $909 per month, and 31.1% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,218 per month (studio $955, 1BR $995, 3BR $1,568, 4BR $1,812).

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Pacific, MO include rent. Pressure points are commute. Unemployment currently reads 2.5% and poverty 4.3% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income B-
$78,185
Median household income
Education C-
31.1%
Bachelor's degree or higher
Housing D
3.7x
Home value $292,100 vs income
Commute F
31 min
Average commute time
Rent A-
$1,218/mo
2BR fair market rent (19% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare N/A
N/A
Center-based infant care cost

Income & Employment

Median Income
$78,185
▲ 26% vs national
Per Capita Income
$43,109
Unemployment Rate
2.5%
Poverty Rate
4.3%

Housing

Median Home Value
$292,100
▲ 6% vs national
Median Rent
$909/mo
Owner Occupied
74.8%
2BR Fair Market Rent
$1,218/mo
▲ 2% vs national

Fair Market Rents by Bedroom

Studio
$955
1BR
$995
2BR
$1,218
3BR
$1,568
4BR
$1,812

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
31.1%
▲ 1 ppt vs national
High School+
57.5%
Median Age
43.7
Avg. Commute
31 min
▲ 5 min vs national

Childcare Costs

Infant (Center)
Toddler (Center)
Preschool (Center)
School-Age (Center)

What This Means

Pacific, MO receives an overall affordability grade of C (57/100), aggregated from 1 ZIP codes with a total population of 15,647. This area performs well in rent. Challenges include commute. Data was unavailable for safety, childcare — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Pacific ZIP Codes
View all 1 ZIP codes with demographics and individual scorecards
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What are common questions about this dashboard?

Is Pacific, MO affordable?
Pacific, MO receives an overall affordability grade of C (57/100) based on Census, HUD, FBI, and DOL data. Median household income is $78,185. Median home value is $292,100.
What is the cost of living in Pacific?
Key cost metrics: Median rent $909/mo. 2BR fair market rent $1,218/mo. Median home value $292,100.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →