ZIP Code 62965 — Muddy village, IL Demographics & Data

ZIP code 62965 covers Muddy, IL in Saline County with a population of about 54.

At a glance, the area shows median age of 59.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 618, 730; U.S. House district IL-12; the PADUCAH - CAPE GIRAR D - HARSBG media market.

Muddy, IL reads as a military / base-oriented community on US5’s intent model (elevated veteran share (20.0%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 62965 is about $11,726 — about 84% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 54.2%; unemployment rate near 0.0%; 19.5% of adults with a bachelor’s degree or higher (about 14.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Utilities, Manufacturing, and Healthcare; about 35.7% of workers reporting work-from-home (about 20.5 points above the U.S. share (15.2%)); a mean commute of about 9.0 minutes (U.S. average near 26.8).

Housing tenure and rents show owner-occupancy near 79.3% (about 13.9 points above the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Muddy village, IL as Relatively Low (composite score 70.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (57.4) and hurricane (43.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Muddy village, IL show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 62965 (Muddy village, IL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.