ZIP Code 64636 — Coffey city, MO Demographics & Data

ZIP code 64636 covers Coffey, MO in Daviess County with a population of about 248.

At a glance, the area shows median age of 40.3 (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 64636 is about $40,000 — about 47% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.2%; unemployment rate near 0.0%; 9.4% of adults with a bachelor’s degree or higher (about 24.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Education; about 3.9% of workers reporting work-from-home (about 11.3 points below the U.S. share (15.2%)); a mean commute of about 99.0 minutes (U.S. average near 26.8).

Median home value is about $87,000 — about 75% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.0% (about 21.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64636 in Coffey, MO, a household would need roughly $24,000 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 $559. That sits below the local median household income ($40,000), 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 Coffey city, MO as Very Low (composite score 30.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (51.7) and flood (36.2). 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 Coffey city, MO show little to no average snow and around 39.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 64636 (Coffey 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.