ZIP Code 65559 — St. James city, MO Demographics & Data

ZIP code 65559 covers St. James, MO in Phelps County with a population of about 9,390.

At a glance, the area shows median age of 42.7 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-8; the ST. LOUIS media market.

Median household income in ZIP 65559 is about $58,641 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.0%; unemployment rate near 8.4%; 23.5% of adults with a bachelor’s degree or higher (about 10.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Public administration; about 8.0% of workers reporting work-from-home (about 7.2 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 $194,600 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $549 (about 53% below the U.S. median rent ($1,163)), and owner-occupancy near 74.4% (about 9.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65559 in St. James, MO, a household would need roughly $54,000 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 $1,250. That is roughly in line with the local median household income ($58,641). 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 St. James city, MO as Relatively Low (composite score 53.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (57.9) and flood (52.4). 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 St. James city, MO show little to no average snow and around 47.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 424 for ZIP 65559 (St. James 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.