ZIP Code 65320 — Arrow Rock town, MO Demographics & Data

ZIP code 65320 covers Arrow Rock, MO in Saline County with a population of about 43.

At a glance, the area shows median age of 51.8 versus a U.S. median of about 38.9.

It sits in telephone area code 660; U.S. House district MO-4; the KANSAS CITY media market.

Arrow Rock, MO fits a retirement-oriented profile (high share of residents 65+ (37.2%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 65320 is about $36,875 — about 51% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 60.6% of adults with a bachelor’s degree or higher (about 26.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Real estate, Food services, and Healthcare; a mean commute of about 18.0 minutes (U.S. average near 26.8).

Median home value is about $250,000 — about 28% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65320 in Arrow Rock, MO, a household would need roughly $69,000 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 $1,606. That is about 87% above the local median household income ($36,875), so the median earner would likely stretch or need a larger down payment. 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 Arrow Rock town, MO as Relatively Low (composite score 51.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (58.5) and wildfire (30.2). 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 Arrow Rock town, MO show little to no average snow and around 41.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2 for ZIP 65320 (Arrow Rock 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.