ZIP Code 63020 — De Soto city, MO Demographics & Data

ZIP code 63020 covers De Soto, MO in Jefferson County with a population of about 20,357.

At a glance, the area shows median age of 44.4 versus a U.S. median of about 38.9.

It sits in telephone area code 636; U.S. House district MO-8; the ST. LOUIS media market.

Median household income in ZIP 63020 is about $65,908 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.1%; unemployment rate near 4.8%; 14.0% of adults with a bachelor’s degree or higher (about 19.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Manufacturing, and Healthcare; about 10.6% of workers reporting work-from-home (about 4.6 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 $172,600 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $640 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 80.6% (about 15.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63020 in De Soto, MO, a household would need roughly $48,000 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 $1,109. That sits below the local median household income ($65,908), 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 De Soto city, MO as Relatively Moderate (composite score 90.5), which is among the highest nationally. The strongest component scores on US5 are flood (91.4) and wildfire (53.1). 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 De Soto city, MO show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 920 for ZIP 63020 (De Soto 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.