ZIP Code 65230 — Armstrong city, MO Demographics & Data

ZIP code 65230 covers Armstrong, MO in Howard County with a population of about 521.

At a glance, the area shows median age of 34.6 versus a U.S. median of about 38.9.

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

Median household income in ZIP 65230 is about $42,000 — about 44% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.4%; unemployment rate near 6.4%; 7.3% of adults with a bachelor’s degree or higher (about 26.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Other services; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $61,700 — about 82% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 89.7% (about 24.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65230 in Armstrong, MO, a household would need roughly $17,000 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 $396. That sits below the local median household income ($42,000), 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 Armstrong city, MO as Very Low (composite score 13.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (31.9) and flood (23.2). 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 Armstrong city, MO show little to no average snow and around 40.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 24 for ZIP 65230 (Armstrong 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.