ZIP Code 63432 — Granger village, MO Demographics & Data

ZIP code 63432 covers Granger, MO in Scotland County with a population of about 376.

At a glance, the area shows median age of 51.7 versus a U.S. median of about 38.9.

It sits in telephone area code 660; U.S. House district MO-6; the OTTUMWA - KIRKSVILLE media market.

Median household income in ZIP 63432 is about $70,298 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 0.0%; 5.2% of adults with a bachelor’s degree or higher (about 28.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Agriculture, and Real estate; about 33.1% of workers reporting work-from-home (about 17.9 points above the U.S. share (15.2%)); a mean commute of about 117.0 minutes (U.S. average near 26.8).

Median home value is about $131,300 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $500 (about 57% below the U.S. median rent ($1,163)), and owner-occupancy near 90.4% (about 25.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63432 in Granger, MO, a household would need roughly $36,000 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 $843. That sits below the local median household income ($70,298), 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 Granger village, MO as Very Low (composite score 33.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (55.2) and hurricane (19.9). 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 Granger village, MO show little to no average snow and around 37.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 63432 (Granger village, 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.