ZIP Code 64490 — Stewartsville city, MO Demographics & Data

ZIP code 64490 covers Stewartsville, MO in Clinton County with a population of about 1,858.

At a glance, the area shows median age of 39.6 (near the U.S. median).

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

Median household income in ZIP 64490 is about $79,194 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.4%; unemployment rate near 2.0%; 21.7% of adults with a bachelor’s degree or higher (about 12.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 12.9% of workers reporting work-from-home (about 2.3 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 $203,800 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $625 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 84.6% (about 19.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64490 in Stewartsville, MO, a household would need roughly $56,000 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 $1,309. That sits below the local median household income ($79,194), 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 Stewartsville city, MO as Relatively Low (composite score 56.2), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (66.3) and flood (65.6). 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 Stewartsville city, MO show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 84 for ZIP 64490 (Stewartsville 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.