ZIP Code 64601 — Chillicothe city, MO Demographics & Data

ZIP code 64601 covers Chillicothe, MO in Livingston County with a population of about 12,110.

At a glance, the area shows median age of 40.1 (near the U.S. median).

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

Median household income in ZIP 64601 is about $58,804 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.6%; unemployment rate near 2.7%; 18.9% of adults with a bachelor’s degree or higher (about 14.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 5.8% of workers reporting work-from-home (about 9.4 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 $145,000 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $524 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 65.8% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64601 in Chillicothe, MO, a household would need roughly $40,000 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 $931. That sits below the local median household income ($58,804), 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 Chillicothe city, MO as Very Low (composite score 23.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (38.2) and flood (26.4). 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 Chillicothe city, MO show little to no average snow and around 40.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 547 for ZIP 64601 (Chillicothe 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.