ZIP Code 64646 — Humphreys village, MO Demographics & Data

ZIP code 64646 covers Humphreys, MO in Sullivan County with a population of about 365.

At a glance, the area shows median age of 35.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 64646 is about $67,188 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.7%; unemployment rate near 0.0%; 16.8% of adults with a bachelor’s degree or higher (about 16.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Manufacturing; about 16.5% of workers reporting work-from-home (about 1.3 points above the U.S. share (15.2%)); a mean commute of about 101.0 minutes (U.S. average near 26.8).

Median home value is about $87,500 — about 75% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $325 (about 72% below the U.S. median rent ($1,163)), and owner-occupancy near 83.8% (about 18.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64646 in Humphreys, 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 $562. That sits below the local median household income ($67,188), 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 Humphreys village, MO as Very Low (composite score 10.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (42.6) and hurricane (16.8). 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 Humphreys village, MO show little to no average snow and around 40.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 64646 (Humphreys village, 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.