ZIP Code 64084 — Rayville CDP, MO Demographics & Data

ZIP code 64084 covers Rayville, MO in Ray County with a population of about 1,241.

At a glance, the area shows median age of 54.4 versus a U.S. median of about 38.9.

It sits in telephone area code 816; U.S. House district MO-6; the KANSAS CITY media market.

Median household income in ZIP 64084 is about $39,453 — about 48% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.1%; unemployment rate near 3.8%; 21.6% of adults with a bachelor’s degree or higher (about 12.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Manufacturing, and Finance and insurance; about 18.4% of workers reporting work-from-home (about 3.2 points above 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 $248,800 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.5% (about 31.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64084 in Rayville, MO, a household would need roughly $68,000 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 $1,598. That is about 72% above the local median household income ($39,453), so the median earner would likely stretch or need a larger down payment. 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 Rayville CDP, MO as Relatively Low (composite score 44.4), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (55.0) and flood (48.8). 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 Rayville CDP, MO show little to no average snow and around 42.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 56 for ZIP 64084 (Rayville CDP, 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.