Population & age
- Total population
- 284
- Median age
- 33.7
Elmo, MO (64445)
Nodaway County · Population 284
Fresh.Data current as of Apr 24, 2026
Elmo, MO (ZIP 64445) sits in Nodaway County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 40.7%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $18,409. IRS data shows average household income (AGI) of $63,427, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $42,806 per worker, roughly 35% below the US average. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1965 — a high-frequency exposure profile. Premature-mortality burden is comparatively low at 5,076 years of potential life lost per 100,000 (County Health Rankings, 2025). Per USDA's Food Environment Atlas, 54.3% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. Missouri levies a graduated state income tax (top rate 4.70%); a household at the local median AGI of $63,427 would pay roughly $1,789/year before deductions. IRS migration data (2022-2023) shows a net loss of 396 residents (368 households) — the ZIP's primary county is shrinking. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $59,479, fair market rent of $890 for a two-bedroom, and a median home value of $94,000. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 77.8%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 1.4%
- Other / multi-racial
- 22.2%
Income & housing
- Median household income
- $59,479
- Median home value
- $94,000
Education
- Bachelor's degree or higher (age 25+)
- 11.5%
Employment
- Unemployment rate
- 3.4%
Housing
- Owner-occupied
- 94(69.6%)
- Renter-occupied
- 41(30.4%)
- Vacant units
- 51
- Built (median)
- 1941
Commute
- Public transit
- 0(0.0%)
- Work from home
- 0(0.0%)
- Avg commute
- 30.0 min
Economic wellbeing
- Below poverty line
- 31(10.9%)
- Uninsured
- 1(0.4%)
Digital access
- Broadband access
- 100(74.1%)
- No broadband
- 35(25.9%)
Language & nativity
- Foreign-born
- 3(1.1%)
- Non-English at home
- 5(1.8%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$700
/month
1 Bed
$700
/month
2 Bed
$890
/month
3 Bed
$1,140
/month
4 Bed
$1,490
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
49
Across 47 permitted buildings. Total construction value: $10.6M.
Single-family
45
92% of total units
Multifamily (2+ unit)
4
8% of total units
Single-family value
$10.1M
construction value
Multifamily value
$533,300
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
110
Average AGI
$63,427
Avg property tax
—
EITC participation
—
Income distribution
- $1 – $25,00027.3% · 30
- $25,000 – $50,00036.4% · 40
- $50,000 – $75,0000.0% · 0
- $75,000 – $100,00036.4% · 40
- $100,000 – $200,0000.0% · 0
- $200,000 or more0.0% · 0
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
—
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $7.0M across all reported brackets.
Employment & wages
Average annual pay
$42,806
Average weekly wage
$823
Total employment
8,431
Total establishments
624
That is roughly 35% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
2.8%
That is 1.2 percentage points below the US national unemployment rate of about 4.0%.
Labor force
12,225
Employed
11,880
Unemployed
345
Based on Nodaway County, MO data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
21
Date Range
1965–2020
Most Recent Declaration
COVID-19 PANDEMIC
Biological — declared March 26, 2020 (DR-4490)
Incident period: January 20, 2020 – May 11, 2023
Top Incident Types
- Severe Storm10 (48%)
- Flood4 (19%)
- Severe Ice Storm3 (14%)
- Biological2 (10%)
- Hurricane1 (5%)
- Other1 (5%)
Individual Assistance
9
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
20
Repair of public facilities & roads
Hazard Mitigation
9
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
50.3°F
38.9° – 61.7°
Annual precipitation
36.7"
Annual snowfall
22.8"
Heating · cooling days
6,291.5 · 965.3
Annual base 65°F
Nearest station: CLARINDA, IA US, 14.4 miles from the centroid of Elmo, MO (ZIP 64445)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
5,076
That is roughly 3,124 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
20%
of adults self-report
Poor physical health days
4.5
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
10.3%
of residents under 65
Primary care MDs
38
per 100,000 residents
Preventable hospital stays
1,895
per 100K Medicare enrollees
Food environment (0-10)
5.0
10 = best access & security
Exercise access
64%
residents near a facility
Flu vaccinated
40%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 6.5% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Nodaway data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Limited food access for many residents
54.3% of Nodaway County, MO residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
—
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.76
accepting food benefits
Fast-food restaurants
0.60
per 1,000 residents
Among low-income residents, 31.3% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Nodaway County, MO for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 27 reports
Property crime rate
—
per 100K residents · 35 reports
Homicide
0
Robbery
0
Burglary
9
Vehicle theft
5
County-level data for Nodaway (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▼−396 people
−368 households • −$22.3M net AGI flow
Moved in
608households
952 people • $26.8M AGI
Moved out
976households
1,348 people • $49.1M AGI
Where new residents came from
- Gentry County, MO — 29 households
- Buchanan County, MO — 26 households
- Clay County, MO — 22 households
- Jackson County, MO — 22 households
- Holt County, MO — 21 households
Where departing residents went
- Jackson County, MO — 42 households
- Buchanan County, MO — 32 households
- Clay County, MO — 28 households
- Andrew County, MO — 24 households
- Holt County, MO — 22 households
Incoming households reported an average AGI of $44,025 versus departing households' $50,305.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Missouri
State-level rules that apply to every resident of ZIP 64445. Numbers reflect the most recent published year per source.
Tax rates
Income tax
4.70%
graduated · 6 brackets
Sales tax (combined)
8.44%
State 4.22% · avg local 4.22%
Property tax (effective)
1.05%
Median $1,935/year
Tax burden rank
11 of 50
9.00% of personal income
For ZIP 64445: At this ZIP's median AGI of $63,427, the estimated state income tax (before deductions) runs about $1,789 per year. Applied to this ZIP's typical home value of $94,000, that works out to roughly $983/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
130% FPL
Federal 130% FPL gross income limit. Asset limit $3,000.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 64445
Nearby ZIPs by distance
51630 (Blanchard, 4.8 mi) · 51637 (College Springs, 5.8 mi) · 64431 (Clearmont, 8.1 mi) · 51631 (Braddyville, 8.1 mi) · 64498 (Blanchard, 8.6 mi) · 64428 (Burlington Junction, 8.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
39.0%
6.0pp above the 33.0% national rate.
High Blood Pressure
40.7%
8.7pp above the 32.0% national rate.
Depression
24.6%
2.6pp above the 22.0% national rate.
Annual Checkup
80.5%
4.5pp above the 76.0% national rate.
Health Insurance
7.8%
5.2pp below the 13.0% national rate.
Diabetes
13.4%
2.4pp above the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
2
Median in-state tuition
$18,409
Median earnings (10 yr)
$49,158
- 4-Year
Northwest Missouri State University
Maryville, MO · 64468
- In-state tuition
- $10,611
- Out-of-state tuition
- $17,324
- Acceptance rate
- 86.1%
- Graduation rate
- 55.8%
- Median earnings (10 yr)
- $47,885
- Median student debt
- $21,500
- 4-Year
Conception Seminary College
Conception, MO · 64433
- In-state tuition
- $26,206
- Out-of-state tuition
- $26,206
- Acceptance rate
- 31.8%
- Graduation rate
- 40.4%
- Median earnings (10 yr)
- $50,430
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Elmo, MO (ZIP 64445) sits in Nodaway County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 40.7%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $18,409. IRS data shows average household income (AGI) of $63,427, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $42,806 per worker, roughly 35% below the US average. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1965 — a high-frequency exposure profile. Premature-mortality burden is comparatively low at 5,076 years of potential life lost per 100,000 (County Health Rankings, 2025). Per USDA's Food Environment Atlas, 54.3% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. Missouri levies a graduated state income tax (top rate 4.70%); a household at the local median AGI of $63,427 would pay roughly $1,789/year before deductions. IRS migration data (2022-2023) shows a net loss of 396 residents (368 households) — the ZIP's primary county is shrinking. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $59,479, fair market rent of $890 for a two-bedroom, and a median home value of $94,000. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 24.6%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 64445
What is the obesity rate in ZIP 64445?
39.0%, which is 6.0 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 64445?
24.6%, which is 2.6 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 64445?
40.7%, which is 8.7 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 64445?
284 people live in ZIP 64445, with a median age of 33.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 64445?
$59,479 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 64445 mostly renters or homeowners?
In ZIP 64445, 69.6% of occupied housing units are owner-occupied and 30.4% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 64445?
In ZIP 64445, 0.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 64445?
10.9% of the population in ZIP 64445 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 64445 have broadband internet?
74.1% of households in ZIP 64445 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the average household income in ZIP 64445?
The average Adjusted Gross Income reported on tax returns from ZIP 64445 (Elmo, MO) is $63,427 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 64445?
Tax returns from ZIP 64445 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 64445 earn over $200,000?
0.0% of tax returns from ZIP 64445 (Elmo, MO) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How vulnerable is ZIP 64445 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 64445 ranks in the 33th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 64445?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 64445, ranking in the 41th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 64445 experienced?
FEMA has recorded 21 federal disaster declarations affecting ZIP 64445 between 1965–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 64445?
Severe Storm is the most common federally declared disaster type affecting ZIP 64445, accounting for 10 of 21 declarations (48%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 64445?
The most recent FEMA disaster declaration affecting ZIP 64445 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4490) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 64445?
2 colleges and universities are listed near ZIP 64445 by the U.S. Department of Education College Scorecard, including Northwest Missouri State University and Conception Seminary College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 64445?
Median in-state tuition across 2 nearby institutions is $18,409 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 64445?
Graduates of nearby colleges earn a median of $49,158 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 64445?
ZIP 64445 has an average annual temperature of 50.3°F and 36.6" of annual precipitation based on the CLARINDA, IA US weather station 14.4 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 64445?
Missouri has a graduated income tax with a top rate of 4.70%. Households at the local median AGI of $63,427 would pay roughly $1,789 in state income tax annually (estimated, before deductions). Combined sales tax: 8.44% (Tax Foundation 2025).
Does Missouri have paid family leave?
Missouri has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 64445?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (2 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (21 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (21 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 64445
Nearby ZIPs by distance
51630 (Blanchard, 4.8 mi) · 51637 (College Springs, 5.8 mi) · 64431 (Clearmont, 8.1 mi) · 51631 (Braddyville, 8.1 mi) · 64498 (Blanchard, 8.6 mi) · 64428 (Burlington Junction, 8.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 64445?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
33rd percentile
Moderate Vulnerability
Based on 1 census tract, population 416
Vulnerability Themes
Households Without Vehicle
10
Persons with Disability
62
Without HS Diploma
17
Without Health Insurance
42
Adults Age 65+
74
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.