ZIP Code 65348 — Otterville city, MO Demographics & Data

ZIP code 65348 covers Otterville, MO in Cooper County with a population of about 1,316.

At a glance, the area shows median age of 42.5 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 65348 is about $49,130 — about 35% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.7%; unemployment rate near 3.4%; 10.6% of adults with a bachelor’s degree or higher (about 23.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Healthcare; about 4.0% of workers reporting work-from-home (about 11.2 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 $192,400 — about 45% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $406 (about 65% below the U.S. median rent ($1,163)), and owner-occupancy near 86.6% (about 21.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65348 in Otterville, MO, a household would need roughly $53,000 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 $1,236. That is roughly in line with the local median household income ($49,130). 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 Otterville city, MO as Very Low (composite score 20.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (40.4) and flood (29.9). 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 Otterville city, MO show little to no average snow and around 36.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 59 for ZIP 65348 (Otterville 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.