ZIP Code 65046 — Jamestown town, MO Demographics & Data

ZIP code 65046 covers Jamestown, MO in Moniteau County with a population of about 1,216.

At a glance, the area shows median age of 46.3 versus a U.S. median of about 38.9.

It sits in telephone area code 660; U.S. House district MO-3; the COLUMBIA - JEFFERSON CITY media market.

Median household income in ZIP 65046 is about $82,941 — about 10% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.3%; unemployment rate near 0.8%; 25.4% of adults with a bachelor’s degree or higher (about 8.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Construction, and Retail trade; about 6.6% of workers reporting work-from-home (about 8.6 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $204,600 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $317 (about 73% below the U.S. median rent ($1,163)), and owner-occupancy near 92.3% (about 26.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65046 in Jamestown, MO, a household would need roughly $56,000 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 $1,314. That sits below the local median household income ($82,941), 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 Jamestown town, MO as Very Low (composite score 31.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (67.7) and flood (32.5). 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 Jamestown town, MO show little to no average snow and around 43.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 55 for ZIP 65046 (Jamestown 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.