ZIP Code 64863 — Southwest City town, MO Demographics & Data

ZIP code 64863 covers Southwest City, MO in McDonald County with a population of about 1,403.

At a glance, the area shows median age of 48.1 versus a U.S. median of about 38.9.

It sits in telephone area code 417; U.S. House district MO-7; the JOPLIN - PITTSBURG media market.

Median household income in ZIP 64863 is about $38,482 — about 49% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.0%; unemployment rate near 9.6%; 8.0% of adults with a bachelor’s degree or higher (about 25.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Professional services, and Construction; about 8.6% of workers reporting work-from-home (about 6.6 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 $150,000 — about 57% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $398 (about 66% below the U.S. median rent ($1,163)), and owner-occupancy near 65.4% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64863 in Southwest City, MO, a household would need roughly $41,000 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 $964. That is roughly in line with the local median household income ($38,482). 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 Southwest City town, MO as Relatively Low (composite score 64.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (73.7) and wildfire (72.8). 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 Southwest City town, MO show little to no average snow and around 49.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 63 for ZIP 64863 (Southwest City town, 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.