ZIP Code 65250 — Franklin city, MO Demographics & Data

ZIP code 65250 covers Franklin, MO in Howard County with a population of about 421.

At a glance, the area shows median age of 48.1 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 65250 is about $120,368 — about 60% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.5%; unemployment rate near 20.4%; 30.7% of adults with a bachelor’s degree or higher (about 3.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Public administration, and Education; about 23.2% of workers reporting work-from-home (about 8.0 points above the U.S. share (15.2%)); a mean commute of about 129.0 minutes (U.S. average near 26.8).

Median home value is about $188,700 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.7% (about 29.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65250 in Franklin, MO, a household would need roughly $52,000 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 $1,212. That sits below the local median household income ($120,368), 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 Franklin 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 Franklin city, MO show little to no average snow and around 41.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 65250 (Franklin 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.