Westphalia, MO (65085)

Osage County · Jefferson City, MO · Population 1,225

Fresh.Data current as of Apr 24, 2026

Westphalia, MO (ZIP 65085) sits in Osage County within the Jefferson City metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 6.7%. NCES lists 3 schools serving the area, 3 non-charter. 2 colleges and universities serve the area, with median in-state tuition of $8,208. IRS data shows average household income (AGI) of $78,774, well above the ~$45K national average per return. Local establishments report average pay of $33,544 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $50,573 per worker, roughly 23% below the US average. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags housing & transportation (79th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 28th-percentile score. FEMA has issued 29 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. Missouri levies a graduated state income tax (top rate 4.70%); a household at the local median AGI of $78,774 would pay roughly $2,221/year before deductions. IRS migration data (2022-2023) shows a net loss of 51 residents (20 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 $76,103, fair market rent of $890 for a two-bedroom, and a low 2.9% poverty rate. 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

Population & age

Total population
1,225
Median age
34.7

Race & ethnicity

White
97.3%
Black
0.4%
Asian
0.0%
Hispanic / Latino
1.5%
Other / multi-racial
2.3%

Income & housing

Median household income
$76,103
Median home value
$239,400

Education

Bachelor's degree or higher (age 25+)
35.6%

Employment

Unemployment rate
0.0%

Housing

Owner-occupied
403(84.1%)
Renter-occupied
76(15.9%)
Vacant units
61
Built (median)
1975

Commute

Public transit
0(0.0%)
Work from home
76(12.8%)
Avg commute
19.1 min

Economic wellbeing

Below poverty line
34(2.9%)
Uninsured
6(0.5%)

Digital access

Broadband access
365(76.2%)
No broadband
114(23.8%)

Language & nativity

Foreign-born
5(0.4%)
Non-English at home
3(0.3%)

Studio

$670

/month

1 Bed

$680

/month

2 Bed

$890

/month

3 Bed

$1,230

/month

4 Bed

$1,350

/month

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

See national housing trends →

New housing construction

New housing units permitted

0

Across 0 permitted buildings. Total construction value: $0.

Single-family

0

Multifamily (2+ unit)

0

Single-family value

$0

construction value

Multifamily value

$0

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

650

Average AGI

$78,774

Avg property tax

EITC participation

4.6%

Income distribution

  • $1 – $25,00024.6% · 160
  • $25,000 – $50,00023.1% · 150
  • $50,000 – $75,00013.8% · 90
  • $75,000 – $100,00013.8% · 90
  • $100,000 – $200,00021.5% · 140
  • $200,000 or more3.1% · 20

Avg mortgage interest

Avg charitable contribution

Avg capital gains

$3,538

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 $51.2M across all reported brackets.

Business & employment

Business establishments

30

Total employment

362

Annual payroll

$12.1M

Average annual pay

$33,544

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

Average annual pay

$50,573

Average weekly wage

$973

Total employment

4,306

Total establishments

274

That is roughly 23% 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

2.9%

That is 1.1 percentage points below the US national unemployment rate of about 4.0%.

Labor force

7,261

Employed

7,049

Unemployed

212

Based on Osage 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.

Banking access

FDIC-insured bank branches

1

Limited banking access

Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.

Total deposits

$54.0M

across all branches in this ZIP

Distinct institutions

1

different banks operating here

Top banks by deposits in this ZIP

  • 1.Legends Bank$54.0M · 1 branch

Based on FDIC-insured branch offices as of June 30, 2024.

Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.

Social Vulnerability Index

Overall SVI

28th percentile

Moderate Vulnerability

Based on 1 census tract, population 1,375

Vulnerability Themes

  • Socioeconomic Status10th percentile
  • Household Characteristics34th percentile
  • Racial & Ethnic Minority Status2nd percentile
  • Housing Type & Transportation79th percentile

Households Without Vehicle

27

Limited English Speakers

1

Persons with Disability

168

Without HS Diploma

54

Without Health Insurance

38

Adults Age 65+

284

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.

Federal Disaster Declarations

Federally Declared Disasters

29

Date Range

1973–2020

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 Storm15 (52%)
  • Flood6 (21%)
  • Severe Ice Storm4 (14%)
  • Biological2 (7%)
  • Hurricane1 (3%)
  • Other1 (3%)

Individual Assistance

8

Direct help to disaster survivors

Households Program

8

Housing & temporary lodging support

Public Assistance

21

Repair of public facilities & roads

Hazard Mitigation

15

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

55.4°F

45.1°65.7°

Annual precipitation

43.6"

Annual snowfall

8.9"

Heating · cooling days

4,847.4 · 1,394.1

Annual base 65°F

Nearest station: JEFFERSON CITY WTP, MO US, 13.5 miles from the centroid of Westphalia, MO (ZIP 65085)

Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.

See national environment & climate trends →

Community health profile

Years of potential life lost (per 100K)

6,222

That is roughly 1,978 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

17%

of adults self-report

Poor physical health days

4.2

avg per adult per month

Poor mental health days

5.6

avg per adult per month

Uninsured

9.0%

of residents under 65

Primary care MDs

22

per 100,000 residents

Preventable hospital stays

3,263

per 100K Medicare enrollees

Food environment (0-10)

8.6

10 = best access & security

Exercise access

31%

residents near a facility

Flu vaccinated

56%

of Medicare enrollees

Low birth weight (under 2,500 g) accounts for 6.1% of live births in this county — an early-life health input that downstream outcomes track against.

Based on Osage 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

Moderate food access challenges

11.1% of Osage County, MO residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.

Grocery stores

0.37

per 1,000 residents

Supercenters & clubs

per 1,000 residents

SNAP-authorized stores

0.90

accepting food benefits

Fast-food restaurants

0.37

per 1,000 residents

Among low-income residents, 3.6% 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 Osage 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 · 8 reports

Property crime rate

per 100K residents · 42 reports

Homicide

0

Robbery

0

Burglary

5

Vehicle theft

8

County-level data for Osage (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.

See national safety & crime trends →

Who’s moving in and out

Net migration (2022-2023)

−51 people

−20 households−$1.8M net AGI flow

Moved in

269households

449 people • $13.6M AGI

Moved out

289households

500 people • $15.5M AGI

Where new residents came from

  1. Cole County, MO68 households

Where departing residents went

  1. Cole County, MO82 households
  2. Boone County, MO21 households
  3. Maries County, MO20 households

Incoming households reported an average AGI of $50,602 versus departing households' $53,495.

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 65085. 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 65085: At this ZIP's median AGI of $78,774, the estimated state income tax (before deductions) runs about $2,221 per year. Applied to this ZIP's typical home value of $239,400, that works out to roughly $2,503/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 65085

Nearby ZIPs by distance

65048 (3.2 mi) · 65076 (St. Thomas, 6.2 mi) · 65101 (Jefferson City, 6.9 mi) · 65035 (Freeburg, 8 mi) · 65054 (9.2 mi) · 65058 (Meta, 9.7 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.

Schools in this ZIP

3 schools serve this ZIP, including 3 non-charter.

All 3 schools serving this ZIP
SchoolTypeGradesEnrollment
FATIMA HIGHPublic7–12519
FATIMA ELEM.Public0–6271
OSAGE CO. R-III PRESCHOOLPublic-1–-1

Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.

Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026

Colleges & universities nearby

Colleges in this area

2

Median in-state tuition

$8,208

Median earnings (10 yr)

$50,640

  • In-state tuition
    $8,160
    Out-of-state tuition
    $14,610
    Acceptance rate
    Graduation rate
    81.8%
    Median earnings (10 yr)
    $55,901
    Median student debt
    $10,986
  • Columbia College - Lake Ozark

    Osage Beach, MO · 65065

    4-Year
    In-state tuition
    $8,256
    Out-of-state tuition
    $8,256
    Acceptance rate
    Graduation rate
    Median earnings (10 yr)
    $45,378
    Median student debt
    $23,879

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

Westphalia, MO (ZIP 65085) sits in Osage County within the Jefferson City metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 6.7%. NCES lists 3 schools serving the area, 3 non-charter. 2 colleges and universities serve the area, with median in-state tuition of $8,208. IRS data shows average household income (AGI) of $78,774, well above the ~$45K national average per return. Local establishments report average pay of $33,544 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $50,573 per worker, roughly 23% below the US average. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags housing & transportation (79th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 28th-percentile score. FEMA has issued 29 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. Missouri levies a graduated state income tax (top rate 4.70%); a household at the local median AGI of $78,774 would pay roughly $2,221/year before deductions. IRS migration data (2022-2023) shows a net loss of 51 residents (20 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 $76,103, fair market rent of $890 for a two-bedroom, and a low 2.9% poverty rate. 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 near the national rate at 22.4%. 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 65085

What is the obesity rate in ZIP 65085?

32.4%, which is 0.6 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the depression rate in ZIP 65085?

22.4%, which is 0.4 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the high blood pressure rate in ZIP 65085?

36.5%, which is 4.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).

How many schools are in ZIP 65085?

3 schools serve this ZIP, including 3 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.

Does ZIP 65085 have charter schools?

No charter schools are listed in ZIP 65085 by NCES CCD (retrieved Apr 27, 2026).

Are there high schools in ZIP 65085?

Yes, 1 high school serves this ZIP: Fatima High. (NCES CCD, retrieved Apr 27, 2026).

What is the population of ZIP 65085?

1,225 people live in ZIP 65085, with a median age of 34.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the median household income in ZIP 65085?

$76,103 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

Is ZIP 65085 mostly renters or homeowners?

In ZIP 65085, 84.1% of occupied housing units are owner-occupied and 15.9% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

How do people commute in ZIP 65085?

In ZIP 65085, 12.8% 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 65085?

2.9% of the population in ZIP 65085 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What percentage of households in ZIP 65085 have broadband internet?

76.2% of households in ZIP 65085 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the average household income in ZIP 65085?

The average Adjusted Gross Income reported on tax returns from ZIP 65085 (Westphalia, MO) is $78,774 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).

How much do homeowners pay in property tax in ZIP 65085?

Tax returns from ZIP 65085 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 65085 earn over $200,000?

3.1% of tax returns from ZIP 65085 (Westphalia, MO) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).

How many businesses are in ZIP 65085?

As of 2022, 30 business establishments operated in ZIP 65085 employing 362 workers (Census ZIP Business Patterns, retrieved May 3, 2026).

What is the average salary in ZIP 65085?

The average annual pay across all local establishments in ZIP 65085 is $33,544, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).

How vulnerable is ZIP 65085 to disasters and public health emergencies?

According to the CDC Social Vulnerability Index (2022), ZIP 65085 ranks in the 28th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).

What is the biggest vulnerability factor in ZIP 65085?

Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 65085, ranking in the 79th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).

How many federally declared disasters has ZIP 65085 experienced?

FEMA has recorded 29 federal disaster declarations affecting ZIP 65085 between 1973–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).

What kinds of disasters most often hit ZIP 65085?

Severe Storm is the most common federally declared disaster type affecting ZIP 65085, accounting for 15 of 29 declarations (52%, FEMA OpenFEMA, retrieved May 3, 2026).

What was the most recent disaster declared for ZIP 65085?

The most recent FEMA disaster declaration affecting ZIP 65085 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4490) (FEMA OpenFEMA, retrieved May 3, 2026).

What colleges are near ZIP 65085?

2 colleges and universities are listed near ZIP 65085 by the U.S. Department of Education College Scorecard, including State Technical College Of Missouri and Columbia College - Lake Ozark (retrieved May 2, 2026).

What is the average tuition at colleges near ZIP 65085?

Median in-state tuition across 2 nearby institutions is $8,208 (College Scorecard, retrieved May 2, 2026).

What do graduates earn from colleges near ZIP 65085?

Graduates of nearby colleges earn a median of $50,640 ten years after entry (College Scorecard, retrieved May 2, 2026).

What is the climate like in ZIP 65085?

ZIP 65085 has an average annual temperature of 55.4°F and 43.6" of annual precipitation based on the JEFFERSON CITY WTP, MO US weather station 13.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).

What taxes apply in ZIP 65085?

Missouri has a graduated income tax with a top rate of 4.70%. Households at the local median AGI of $78,774 would pay roughly $2,221 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 65085?

This page covers health outcomes from CDC PLACES (40 metrics), school information from NCES CCD (3 schools), 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), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (29 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. School data retrieved Apr 27, 2026 from NCES CCD. 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). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (29 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 65085

Nearby ZIPs by distance

65048 (3.2 mi) · 65076 (St. Thomas, 6.2 mi) · 65101 (Jefferson City, 6.9 mi) · 65035 (Freeburg, 8 mi) · 65054 (9.2 mi) · 65058 (Meta, 9.7 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 65085?

Ask Mubboo — launching Q4 2026.

By Mubboo Editorial Team

Last reviewed Apr 24, 2026


Data sources

This page observes HIPAA and FERPA by surfacing only aggregate, de-identified federal datasets. Individual records are never displayed.

Mubboo may earn commissions from partner links. This does not affect our editorial independence.

Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.