ZIP Code 65631 — Clever city, MO Demographics & Data

ZIP code 65631 covers Clever, MO in Christian County with a population of about 6,175.

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 417; U.S. House district MO-7; the SPRINGFIELD, MO media market.

Median household income in ZIP 65631 is about $91,250 — about 21% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 1.9%; 26.5% of adults with a bachelor’s degree or higher (about 7.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 6.7% of workers reporting work-from-home (about 8.5 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 $220,600 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $835 (about 28% below the U.S. median rent ($1,163)), and owner-occupancy near 80.7% (about 15.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65631 in Clever, MO, a household would need roughly $61,000 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 $1,417. That sits below the local median household income ($91,250), 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 Clever city, MO as Relatively Low (composite score 66.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (70.4) and flood (70.0). 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 Clever city, MO show little to no average snow and around 45.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 279 for ZIP 65631 (Clever 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.