ZIP Code 64637 — Cowgill city, MO Demographics & Data

ZIP code 64637 covers Cowgill, MO in Caldwell County with a population of about 488.

At a glance, the area shows median age of 47.0 versus a U.S. median of about 38.9.

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

Median household income in ZIP 64637 is about $58,000 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.1%; unemployment rate near 7.0%; 15.7% of adults with a bachelor’s degree or higher (about 18.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Agriculture, and Healthcare; about 10.2% of workers reporting work-from-home (about 5.0 points below the U.S. share (15.2%)); a mean commute of about 176.0 minutes (U.S. average near 26.8).

Median home value is about $115,200 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $511 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 79.1% (about 13.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64637 in Cowgill, 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 $740. That sits below the local median household income ($58,000), 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 Cowgill city, MO as Very Low (composite score 14.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (45.4) and flood (21.9). 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 Cowgill city, MO show little to no average snow and around 39.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 22 for ZIP 64637 (Cowgill 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.