ZIP Code 65040 — undefined, MO Demographics & Data

ZIP code 65040 covers MO in Cole County with a population of about 1,468.

At a glance, the area shows median age of 35.7 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-3; the COLUMBIA - JEFFERSON CITY media market.

Median household income in ZIP 65040 is about $87,434 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 0.0%; 30.8% of adults with a bachelor’s degree or higher (about 2.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Public administration; about 19.9% of workers reporting work-from-home (about 4.7 points above 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 $191,300 — about 45% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.7% (about 26.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65040 in MO, a household would need roughly $53,000 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 $1,229. That sits below the local median household income ($87,434), 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 MO as Relatively Low (composite score 73.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (73.5) and wildfire (71.7). 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 MO show little to no average snow and around 44.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 66 for ZIP 65040 (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.