ZIP Code 63084 — Union city, MO Demographics & Data

ZIP code 63084 covers Union, MO in Franklin County with a population of about 20,511.

At a glance, the area shows median age of 37.5 (near the U.S. median).

It sits in telephone area code 636; U.S. House district MO-2; the ST. LOUIS media market.

Union, MO sits in a university / college context (near east central college (2.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 63084 is about $72,332 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.9%; unemployment rate near 6.2%; 21.1% of adults with a bachelor’s degree or higher (about 12.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 8.3% of workers reporting work-from-home (about 6.9 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 $221,800 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $689 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 72.6% (about 7.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63084 in Union, 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 $1,425. That sits below the local median household income ($72,332), 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 Union 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 Union city, MO show little to no average snow and around 45.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 927 for ZIP 63084 (Union 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.