ZIP Code 64480 — Rea city, MO Demographics & Data

ZIP code 64480 covers Rea, MO in Andrew County with a population of about 362.

At a glance, the area shows median age of 59.9 versus a U.S. median of about 38.9.

It sits in telephone area code 816; U.S. House district MO-6; the ST. JOSEPH media market.

Rea, MO fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 64480 is about $113,167 — about 51% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.8%; unemployment rate near 9.7%; 38.9% of adults with a bachelor’s degree or higher (about 5.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Agriculture; about 11.8% of workers reporting work-from-home (about 3.4 points below the U.S. share (15.2%)); a mean commute of about 172.0 minutes (U.S. average near 26.8).

Median home value is about $187,500 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.4% (about 26.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64480 in Rea, MO, a household would need roughly $52,000 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 $1,204. That sits below the local median household income ($113,167), 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 Rea city, MO as Very Low (composite score 22.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (50.2) and flood (24.7). 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 Rea city, MO show little to no average snow and around 38.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 64480 (Rea 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.