ZIP code 64118

ZIP 64118 is a small city in Clay County, Missouri, with 42,213 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #22 of 1,035 ranked by population — larger than 97% of them. The median age here is 36.6 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 64118 earn a median of $70,290 a year, 10.5% below the national figure of $78,538. 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 13% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 64118 is valued at $206,200, 32% below the national figure, while median gross rent runs $1,122 a month, 20.2% below the national figure, or roughly $13,464 across a full year. A household on the local median income would put about 19.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 58.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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.

ZIP 64118 is tabulated inside Clay County, Missouri, one of 18 ZIP areas the Census publishes for that county and 1,035 across Missouri. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 64118 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 64118 reports a median household income of $70,290, 27% below the $96,345 county median, and 16% above the $60,651 typical MO ZIP. Owner-occupied homes are valued at a median of $206,200, 28% below the county figure and 27% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,122 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 64118 carries 8.725% at the register, assembled from the Kansas City jurisdiction stack: the Missouri state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 64118 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 64118 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.