ZIP Code 64445 — Elmo city, MO Demographics & Data

ZIP code 64445 covers Elmo, MO in Nodaway County with a population of about 305.

At a glance, the area shows median age of 32.0 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.

Median household income in ZIP 64445 is about $63,438 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 2.5%; 12.9% of adults with a bachelor’s degree or higher (about 20.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Education; a mean commute of about 157.0 minutes (U.S. average near 26.8).

Median home value is about $100,000 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $403 (about 65% below the U.S. median rent ($1,163)), and owner-occupancy near 67.6% (about 2.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64445 in Elmo, MO, a household would need roughly $28,000 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 $642. That sits below the local median household income ($63,438), 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 Elmo city, 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 Elmo city, MO show little to no average snow and around 36.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 14 for ZIP 64445 (Elmo 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.