ZIP Code 64491 — Tarkio city, MO Demographics & Data

ZIP code 64491 covers Tarkio, MO in Atchison County with a population of about 1,642.

At a glance, the area shows median age of 48.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 64491 is about $62,063 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.5%; unemployment rate near 3.6%; 20.8% of adults with a bachelor’s degree or higher (about 12.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 2.9% of workers reporting work-from-home (about 12.3 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 $90,700 — about 74% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $444 (about 62% below the U.S. median rent ($1,163)), and owner-occupancy near 69.1% (about 3.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64491 in Tarkio, MO, a household would need roughly $25,000 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 $583. That sits below the local median household income ($62,063), 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 Tarkio city, MO as Very Low (composite score 21.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (28.8) and flood (25.6). 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 Tarkio city, MO show little to no average snow.

IRS migration statistics show a net inflow of about 74 for ZIP 64491 (Tarkio 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.