ZIP Code 65203 — Columbia city, MO Demographics & Data

ZIP code 65203 covers Columbia, MO in Boone County with a population of about 59,663.

At a glance, the area shows median age of 36.2 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 65203 is about $80,442 — about 7% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.3%; unemployment rate near 2.9%; 64.9% of adults with a bachelor’s degree or higher (about 31.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 10.6% of workers reporting work-from-home (about 4.6 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 $319,100 — about 8% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $842 (about 28% below the U.S. median rent ($1,163)), and owner-occupancy near 63.5% (about 1.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65203 in Columbia, MO, a household would need roughly $88,000 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 $2,050. That is roughly in line with the local median household income ($80,442). 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 Columbia city, MO as Relatively Moderate (composite score 85.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.8) and wildfire (70.7). 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 Columbia city, MO show little to no average snow and around 44.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,697 for ZIP 65203 (Columbia 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.