ZIP Code 63014 — Berger city, MO Demographics & Data

ZIP code 63014 covers Berger, MO in Franklin County with a population of about 404.

At a glance, the area shows median age of 56.1 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-2; the ST. LOUIS media market.

Berger, MO fits a retirement-oriented profile (high share of residents 65+ (41.1%)). 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 63014 is about $64,327 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.9%; unemployment rate near 1.7%; 28.0% of adults with a bachelor’s degree or higher (about 5.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Finance and insurance, and Retail trade; about 3.6% of workers reporting work-from-home (about 11.6 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 $132,800 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $613 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 88.1% (about 22.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63014 in Berger, 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 $853. That sits below the local median household income ($64,327), 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 Berger city, MO as Relatively Moderate (composite score 83.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.4) and wildfire (66.7). 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 Berger city, MO show little to no average snow and around 45.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 63014 (Berger 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.