ZIP Code 65344 — Miami city, MO Demographics & Data

ZIP code 65344 covers Miami, MO in Saline County with a population of about 176.

At a glance, the area shows median age of 41.2 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 65344 is about $62,500 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.0%; unemployment rate near 2.3%; 28.3% of adults with a bachelor’s degree or higher (about 5.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Education; about 4.7% of workers reporting work-from-home (about 10.5 points below the U.S. share (15.2%)); a mean commute of about 82.0 minutes (U.S. average near 26.8).

Median home value is about $225,000 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 80.7% (about 15.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65344 in Miami, MO, a household would need roughly $62,000 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 $1,445. That is roughly in line with the local median household income ($62,500). 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 Miami city, MO as Relatively Low (composite score 51.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (58.5) and wildfire (30.2). 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 Miami city, MO show little to no average snow and around 40.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 65344 (Miami 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.