ZIP code 64161

ZIP 64161 is a very small community in Clay County, Missouri, with 360 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #835 of 1,035 ranked by population — larger than 19% of them. The median age here is 44.7 years against 39.1 nationally, a slightly older 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 ZIP 64161 earn a median of $62,250 a year, 20.7% 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 20.6% 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 ZIP 64161 is valued at $136,700, 54.9% below the national figure, while median gross rent runs $1,411 a month, essentially level with the national figure, or roughly $16,932 across a full year. A household on the local median income would put about 27.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 2.2×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 68.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

With 360 residents, a handful of survey responses moves every median on this page. Compare ZIP 64161 against its county rather than against national figures.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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 64161 is tabulated inside Clay County, Missouri, one of 18 ZIP areas the Census publishes for that county and 1,035 across Missouri. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. 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 64161 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 64161 reports a median household income of $62,250, 35% below the $96,345 county median, and 3% above the $60,651 typical MO ZIP. Owner-occupied homes are valued at a median of $136,700, 52% below the county figure and 16% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,411 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Missouri charges 4.225% statewide, and local governments overlapping 64161 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

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 64161 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.