ZIP Code 65338 — Lincoln city, MO Demographics & Data

ZIP code 65338 covers Lincoln, MO in Benton County with a population of about 3,403.

At a glance, the area shows median age of 37.7 (near the U.S. median).

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

Median household income in ZIP 65338 is about $59,816 — about 20% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.4%; unemployment rate near 0.8%; 17.9% of adults with a bachelor’s degree or higher (about 15.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 3.3% of workers reporting work-from-home (about 11.9 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 $134,500 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $557 (about 52% below the U.S. median rent ($1,163)), and owner-occupancy near 79.1% (about 13.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65338 in Lincoln, MO, a household would need roughly $37,000 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 $864. That sits below the local median household income ($59,816), 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 Lincoln city, MO as Relatively Low (composite score 66.8), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (69.5) and flood (67.4). 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 Lincoln city, MO show little to no average snow and around 42.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 154 for ZIP 65338 (Lincoln 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.