ZIP Code 66732 — Elsmore city, KS Demographics & Data

ZIP code 66732 covers Elsmore, KS in Allen County with a population of about 272.

At a glance, the area shows median age of 34.0 versus a U.S. median of about 38.9.

It sits in telephone area code 620; U.S. House district KS-2; the JOPLIN - PITTSBURG media market.

Median household income in ZIP 66732 is about $64,250 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.4%; unemployment rate near 15.6%; 6.5% of adults with a bachelor’s degree or higher (about 27.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Finance and insurance; about 14.8% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 92.0 minutes (U.S. average near 26.8).

Median home value is about $79,400 — about 77% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.5% (about 30.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 66732 in Elsmore, KS, a household would need roughly $22,000 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 $510. That sits below the local median household income ($64,250), 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 Elsmore city, KS as Very Low (composite score 15.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (26.3) and wildfire (22.4). 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 Elsmore city, KS show little to no average snow and around 44.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 66732 (Elsmore city, KS) 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.