ZIP Code 65281 — Salisbury city, MO Demographics & Data

ZIP code 65281 covers Salisbury, MO in Chariton County with a population of about 3,076.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

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

Median household income in ZIP 65281 is about $65,000 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.7%; unemployment rate near 2.7%; 23.2% of adults with a bachelor’s degree or higher (about 10.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Construction; about 10.1% of workers reporting work-from-home (about 5.1 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 $141,300 — about 59% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $442 (about 62% below the U.S. median rent ($1,163)), and owner-occupancy near 82.5% (about 17.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65281 in Salisbury, MO, a household would need roughly $39,000 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 $908. That sits below the local median household income ($65,000), 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 Salisbury city, MO as Very Low (composite score 29.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (48.2) and flood (44.1). 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 Salisbury city, MO show little to no average snow and around 40.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 139 for ZIP 65281 (Salisbury 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.