ZIP Code 63862 — Lilbourn city, MO Demographics & Data

ZIP code 63862 covers Lilbourn, MO in New Madrid County with a population of about 1,315.

At a glance, the area shows median age of 39.4 (near the U.S. median).

It sits in telephone area code 573; U.S. House district MO-8; the PADUCAH - CAPE GIRAR D - HARSBG media market.

Median household income in ZIP 63862 is about $46,548 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.4%; unemployment rate near 2.3%; 9.5% of adults with a bachelor’s degree or higher (about 24.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Manufacturing; about 6.7% of workers reporting work-from-home (about 8.5 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 $80,000 — about 77% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $458 (about 61% below the U.S. median rent ($1,163)), and owner-occupancy near 64.6% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63862 in Lilbourn, MO, a household would need roughly $22,000 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 $514. That sits below the local median household income ($46,548), 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 Lilbourn city, MO as Relatively Low (composite score 71.9), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (43.3) and flood (22.6). 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 Lilbourn city, MO show little to no average snow and around 49.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 59 for ZIP 63862 (Lilbourn 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.