ZIP Code 64436 — Cosby village, MO Demographics & Data

ZIP code 64436 covers Cosby, MO in Andrew County with a population of about 965.

At a glance, the area shows median age of 37.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 64436 is about $107,692 — about 43% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.4%; unemployment rate near 10.3%; 33.5% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 12.1% of workers reporting work-from-home (about 3.1 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 $267,900 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,319 (about 13% above the U.S. median rent ($1,163)), and owner-occupancy near 83.5% (about 18.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64436 in Cosby, MO, a household would need roughly $74,000 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 $1,721. That sits below the local median household income ($107,692), 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 Cosby village, MO as Very Low (composite score 22.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (50.2) and flood (24.7). 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 Cosby village, MO show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 44 for ZIP 64436 (Cosby 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.