ZIP Code 63430 — St. Francisville CDP, MO Demographics & Data

ZIP code 63430 covers St. Francisville, MO in Clark County with a population of about 422.

At a glance, the area shows median age of 40.2 (near the U.S. median).

It sits in telephone area code 660; U.S. House district MO-6; the QUINCY - HANNIBAL - KEOKUK media market.

Median household income in ZIP 63430 is about $66,964 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 33.2%; unemployment rate near 5.8%; 23.6% of adults with a bachelor’s degree or higher (about 10.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Other services, and Professional services; about 6.3% of workers reporting work-from-home (about 8.9 points below the U.S. share (15.2%)); a mean commute of about 104.0 minutes (U.S. average near 26.8).

Median home value is about $150,800 — about 57% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.0% (about 31.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63430 in St. Francisville, MO, a household would need roughly $42,000 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 $969. That sits below the local median household income ($66,964), 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 St. Francisville CDP, MO as Very Low (composite score 21.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (47.4) and flood (30.5). 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 St. Francisville CDP, MO show little to no average snow and around 39.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 63430 (St. Francisville CDP, 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.