Cobalt, MO population, income and ZIP codes

Cobalt village is a very small community in Missouri, with 318 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #635 of 1,082 ranked by population — larger than 41% of them. The median age here is 37.5 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Cobalt village earn a median of $28,542 a year, 63.7% below the national figure of $78,538 and 49% below the $55,543 median for the 374 Missouri cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 33.3% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Cobalt village is valued at $76,700, 74.7% below the national figure and 50% below the $152,400 peer median, while median gross rent runs $816 a month, 42% below the national figure, or roughly $9,792 across a full year. A household on the local median income would put about 34.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 2.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 57.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Cobalt village is the unusual combination of expensive to rent and cheap to buy: rent takes 34.3% of median income while homes cost only 2.7× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price. With 318 residents, a handful of survey responses moves every median on this page. Compare Cobalt village against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.