ZIP Code 63735 — Bell City city, MO Demographics & Data

ZIP code 63735 covers Bell City, MO in Stoddard County with a population of about 761.

At a glance, the area shows median age of 40.2 (near the U.S. median).

It sits in telephone area code 573; U.S. House district MO-8; the PADUCAH - CAPE GIRAR D - HARSBG media market.

Median household income in ZIP 63735 is about $31,406 — about 58% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 33.5%; unemployment rate near 21.4%; 10.9% of adults with a bachelor’s degree or higher (about 22.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Construction; about 1.9% of workers reporting work-from-home (about 13.3 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 $73,000 — about 79% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $252 (about 78% below the U.S. median rent ($1,163)), and owner-occupancy near 68.3% (about 2.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63735 in Bell City, MO, a household would need roughly $20,000 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 $469. That sits below the local median household income ($31,406), 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 Bell City city, MO as Relatively Low (composite score 74.3), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (49.1) and flood (41.6). 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 Bell City city, MO show little to no average snow and around 49.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 63735 (Bell City 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.