ZIP Code 64781 — Roscoe village, MO Demographics & Data

ZIP code 64781 covers Roscoe, MO in St. Clair County with a population of about 92.

At a glance, the area shows median age of 39.3 (near the U.S. median).

It sits in telephone area code 417; U.S. House district MO-4; the SPRINGFIELD, MO media market.

Median household income in ZIP 64781 is about $44,000 — about 41% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.6%; unemployment rate near 0.0%; 10.2% of adults with a bachelor’s degree or higher (about 23.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Transportation, and Administrative support; a mean commute of about 29.0 minutes (U.S. average near 26.8).

Median home value is about $71,100 — about 80% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 75.0% (about 9.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64781 in Roscoe, MO, a household would need roughly $20,000 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 $457. That sits below the local median household income ($44,000), 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 Roscoe village, MO as Very Low (composite score 25.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (53.1) and flood (35.8). 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 Roscoe village, MO show little to no average snow and around 43.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 4 for ZIP 64781 (Roscoe 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.