ZIP Code 65785 — Stockton city, MO Demographics & Data

ZIP code 65785 covers Stockton, MO in Cedar County with a population of about 5,538.

At a glance, the area shows median age of 49.4 versus a U.S. median of about 38.9.

It sits in telephone area code 417; U.S. House district MO-4; the SPRINGFIELD, MO media market.

Median household income in ZIP 65785 is about $46,927 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 4.0%; 22.5% of adults with a bachelor’s degree or higher (about 11.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Healthcare; about 14.3% of workers reporting work-from-home (roughly in line with 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 $161,600 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $547 (about 53% below the U.S. median rent ($1,163)), and owner-occupancy near 78.8% (about 13.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65785 in Stockton, MO, a household would need roughly $44,000 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 $1,038. That is roughly in line with the local median household income ($46,927). 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 Stockton city, MO as Very Low (composite score 26.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (49.4) and flood (24.7). 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 Stockton city, MO show little to no average snow and around 44.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 250 for ZIP 65785 (Stockton 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.