ZIP Code 65201 — Columbia city, MO Demographics & Data

ZIP code 65201 covers Columbia, MO in Boone County with a population of about 49,811.

At a glance, the area shows median age of 23.1 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-3; the COLUMBIA - JEFFERSON CITY media market.

Median household income in ZIP 65201 is about $46,177 — about 39% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 35.0%; unemployment rate near 5.3%; 53.7% of adults with a bachelor’s degree or higher (about 20.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Food services, and Healthcare; about 9.0% of workers reporting work-from-home (about 6.2 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 $229,300 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $906 (about 22% below the U.S. median rent ($1,163)), and owner-occupancy near 32.5% (about 32.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65201 in Columbia, MO, a household would need roughly $63,000 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 $1,473. That is about 36% above the local median household income ($46,177), so the median earner would likely stretch or need a larger down payment. 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 Columbia city, MO as Relatively Moderate (composite score 85.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.8) and wildfire (70.7). 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 Columbia city, MO show little to no average snow and around 44.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,252 for ZIP 65201 (Columbia 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.