ZIP Code 64437 — Big Lake village, MO Demographics & Data

ZIP code 64437 covers Big Lake, MO in Holt County with a population of about 437.

At a glance, the area shows median age of 55.4 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.

Big Lake, MO fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 64437 is about $50,208 — about 33% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.3%; unemployment rate near 0.9%; 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 Healthcare, Agriculture, and Retail trade; about 7.2% of workers reporting work-from-home (about 8.0 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 $115,600 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 89.6% (about 24.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64437 in Big Lake, MO, a household would need roughly $32,000 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 $743. That sits below the local median household income ($50,208), 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 Big Lake village, MO as Very Low (composite score 15.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (32.8) and flood (21.7). 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 Big Lake village, MO show little to no average snow and around 35.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 64437 (Big Lake 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.