ZIP Code 63010 — Arnold city, MO Demographics & Data

ZIP code 63010 covers Arnold, MO in Jefferson County with a population of about 34,405.

At a glance, the area shows median age of 39.8 (near the U.S. median).

It sits in telephone area code 636; U.S. House district MO-8; the ST. LOUIS media market.

Median household income in ZIP 63010 is about $76,839 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.6%; unemployment rate near 3.9%; 23.4% of adults with a bachelor’s degree or higher (about 10.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 9.1% of workers reporting work-from-home (about 6.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $214,100 — about 38% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $866 (about 26% below the U.S. median rent ($1,163)), and owner-occupancy near 79.7% (about 14.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63010 in Arnold, MO, a household would need roughly $59,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,375. That sits below the local median household income ($76,839), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Arnold city, MO as Relatively Moderate (composite score 90.5), which is among the highest nationally. The strongest component scores on US5 are flood (91.4) and wildfire (53.1). 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 Arnold city, MO show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,555 for ZIP 63010 (Arnold city, MO) 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.