ZIP Code 64745 — Foster village, MO Demographics & Data

ZIP code 64745 covers Foster, MO in Bates County with a population of about 46.

At a glance, the area shows median age of 48.4 versus a U.S. median of about 38.9.

It sits in telephone area code 660; U.S. House district MO-4; the KANSAS CITY media market.

Median household income in ZIP 64745 is about $52,083 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.2%; unemployment rate near 0.0%; 2.6% of adults with a bachelor’s degree or higher (about 31.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Mining, and Other services; a mean commute of about 27.0 minutes (U.S. average near 26.8).

Median home value is about $72,000 — about 79% 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 59.3% (about 6.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64745 in Foster, MO, a household would need roughly $20,000 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 $463. That sits below the local median household income ($52,083), 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 Foster village, MO as Very Low (composite score 30.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (39.5) and hurricane (22.0). 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 Foster village, MO show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2 for ZIP 64745 (Foster 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.