ZIP Code 64635 — Chula city, MO Demographics & Data

ZIP code 64635 covers Chula, MO in Livingston County with a population of about 410.

At a glance, the area shows median age of 38.5 (near the U.S. median).

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

Median household income in ZIP 64635 is about $76,477 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.3%; unemployment rate near 2.0%; 16.5% of adults with a bachelor’s degree or higher (about 17.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Public administration; about 12.8% of workers reporting work-from-home (about 2.4 points below the U.S. share (15.2%)); a mean commute of about 170.0 minutes (U.S. average near 26.8).

Median home value is about $126,100 — about 64% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $742 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 80.3% (about 14.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64635 in Chula, MO, a household would need roughly $35,000 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 $810. That sits below the local median household income ($76,477), 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 Chula city, MO as Very Low (composite score 23.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (38.2) and flood (26.4). 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 Chula city, MO show little to no average snow and around 40.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 64635 (Chula 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.