ZIP Code 64433 — Conception CDP, MO Demographics & Data

ZIP code 64433 covers Conception, MO in Nodaway County with a population of about 206.

At a glance, the area shows median age of 24.8 versus a U.S. median of about 38.9.

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

Conception, MO sits in a university / college context (near conception seminary college (0.1 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 64433 is about $46,750 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.4%; unemployment rate near 0.0%; 41.6% of adults with a bachelor’s degree or higher (about 7.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Healthcare, and Administrative support; about 39.7% of workers reporting work-from-home (about 24.5 points above the U.S. share (15.2%)); a mean commute of about 44.0 minutes (U.S. average near 26.8).

Median home value is about $106,300 — about 69% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.6% (about 17.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64433 in Conception, MO, a household would need roughly $29,000 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 $683. That sits below the local median household income ($46,750), 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 Conception CDP, MO as Relatively Low (composite score 45.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (53.0) and flood (51.0). 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 Conception CDP, MO show little to no average snow and around 38.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 64433 (Conception 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.