ZIP Code 64654 — Lock Springs village, MO Demographics & Data

ZIP code 64654 covers Lock Springs, MO in Daviess County with a population of about 64.

At a glance, the area shows median age of 31.5 versus a U.S. median of about 38.9.

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

Median household income in ZIP 64654 is about $106,667 — about 42% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.4%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Transportation, Information, and Food services; about 40.0% of workers reporting work-from-home (about 24.8 points above the U.S. share (15.2%)); a mean commute of about 12.0 minutes (U.S. average near 26.8).

Median home value is about $154,200 — about 56% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 77.8% (about 12.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64654 in Lock Springs, MO, a household would need roughly $42,000 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 $991. That sits below the local median household income ($106,667), 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 Lock Springs village, MO as Very Low (composite score 30.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (51.7) and flood (36.2). 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 Lock Springs village, MO show little to no average snow and around 40.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 64654 (Lock Springs village, 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.