ZIP Code 63548 — Lancaster city, MO Demographics & Data

ZIP code 63548 covers Lancaster, MO in Schuyler County with a population of about 896.

At a glance, the area shows median age of 37.7 (near the U.S. median).

It sits in telephone area code 660; U.S. House district MO-6; the OTTUMWA - KIRKSVILLE media market.

Median household income in ZIP 63548 is about $53,015 — about 29% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.7%; unemployment rate near 1.6%; 18.7% of adults with a bachelor’s degree or higher (about 15.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Agriculture, and Construction; about 3.7% of workers reporting work-from-home (about 11.5 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 $152,900 — about 56% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $352 (about 70% below the U.S. median rent ($1,163)), and owner-occupancy near 80.1% (about 14.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63548 in Lancaster, 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 $982. That sits below the local median household income ($53,015), 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 Lancaster city, MO as Very Low (composite score 3.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (41.2) and hurricane (8.0). 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 Lancaster city, MO show little to no average snow and around 39.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 41 for ZIP 63548 (Lancaster 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.