ZIP Code 63628 — Terre du Lac CDP, MO Demographics & Data

ZIP code 63628 covers Terre du Lac, MO in St. Francois County with a population of about 15,864.

At a glance, the area shows median age of 41.8 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-8; the ST. LOUIS media market.

Median household income in ZIP 63628 is about $59,237 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.1%; unemployment rate near 2.9%; 15.5% of adults with a bachelor’s degree or higher (about 18.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 7.8% of workers reporting work-from-home (about 7.4 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 $171,000 — about 51% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $569 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 78.5% (about 13.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63628 in Terre du Lac, MO, a household would need roughly $47,000 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 $1,098. That sits below the local median household income ($59,237), 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 Terre du Lac CDP, MO as Relatively Low (composite score 78.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (70.4) and wildfire (57.3). 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 Terre du Lac CDP, MO show little to no average snow and around 45.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 717 for ZIP 63628 (Terre du Lac 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.