ZIP Code 64681 — Sumner town, MO Demographics & Data

ZIP code 64681 covers Sumner, MO in Chariton County with a population of about 152.

At a glance, the area shows median age of 59.4 versus a U.S. median of about 38.9.

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

Sumner, MO fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 64681 is about $68,229 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.2%; unemployment rate near 10.1%; 18.4% of adults with a bachelor’s degree or higher (about 15.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Education, and Retail trade; a mean commute of about 62.0 minutes (U.S. average near 26.8).

Median home value is about $86,100 — about 75% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.3% (about 20.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64681 in Sumner, 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 $553. That sits below the local median household income ($68,229), 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 Sumner town, MO as Very Low (composite score 29.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (48.2) and flood (44.1). 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 Sumner town, MO show little to no average snow and around 42.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 7 for ZIP 64681 (Sumner 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.