ZIP Code 64497 — Weatherby town, MO Demographics & Data

ZIP code 64497 covers Weatherby, MO in DeKalb County with a population of about 610.

At a glance, the area shows median age of 38.6 (near the U.S. median).

It sits in telephone area codes 660, 816; U.S. House district MO-6; the ST. JOSEPH media market.

Median household income in ZIP 64497 is about $95,792 — about 27% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.4%; unemployment rate near 1.6%; 15.0% of adults with a bachelor’s degree or higher (about 18.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Healthcare; about 10.3% of workers reporting work-from-home (about 4.9 points below the U.S. share (15.2%)); a mean commute of about 130.0 minutes (U.S. average near 26.8).

Median home value is about $340,800 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 85.5% (about 20.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64497 in Weatherby, MO, a household would need roughly $94,000 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 $2,189. That is roughly in line with the local median household income ($95,792). 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 Weatherby town, MO as Very Low (composite score 16.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (46.4) and flood (21.0). 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 Weatherby town, MO show little to no average snow and around 39.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 28 for ZIP 64497 (Weatherby town, 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.