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Missouri ZIP Codes
Stoddard County
Bernie, MO
63822
63822 ZIP Code — Bernie, MO
Stoddard County, Missouri
ZIP code 63822 is located in
Bernie ,
Missouri ,
within Stoddard County .
It covers approximately 77.41 square miles and serves a population of
2,680 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 573 .
About ZIP code 63822
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $90,000. Owner-occupancy sits near the national average at 71%.
Median household income is $48,514. 47% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.
College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of smoking (28%) compared to national benchmarks.
Overall, ZIP code 63822 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.
63822 ZIP code map
View map of 63822
Cities in ZIP code 63822
Below are the cities the US Postal Service accepts for ZIP code 63822. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
2,680
Population density
35 / sq mi
State FIPS
29
County FIPS
207
Geography
Land area
77.41 sq mi
Water area
0.21 sq mi
Latitude
36.6910
Longitude
-90.0095
Timezone
Central (CT)
Area code
573
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
61.3%
56.2%
43.8%
$50k – $100k
26.3%
32.1%
31.5%
$100k – $200k
12.4%
10.9%
19.5%
Over $200k
0.0%
0.7%
5.2%
Demographics & statistics
$48,514
Median household income
13.7%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 573 21.4% 18 and over 2,107 78.6% 65 and over 590 22.0% Median age 46.1 years
Race & ethnicity
Black or African American
2.2%
American Indian / Alaska Native
0.2%
Group Count % White 2,408 85.4% Two or more races 165 5.9% Hispanic or Latino 139 4.9% Black or African American 62 2.2% Other race 30 1.1% Asian 8 0.3% American Indian / Alaska Native 7 0.2%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
61.3%
56.2%
43.8%
$50k – $100k
26.3%
32.1%
31.5%
$100k – $200k
12.4%
10.9%
19.5%
Over $200k
0.0%
0.7%
5.2%
Range % of households Under $10k 4.7% $10k–$15k 4.6% $15k–$25k 12.0% $25k–$35k 9.8% $35k–$50k 21.0% $50k–$75k 14.3% $75k–$100k 15.9% $100k–$150k 14.6% $150k–$200k 2.8% $200k+ 0.2% Median income $48,514
Housing
Housing overview
Metric Value Median home value $90,000 Median rent / month $754 Owner occupied 70.8% Renter occupied 29.2% Vacant 11.7% Single-family detached 90.7% Large apartment buildings 0.7% Mobile homes 2.4% Median rooms 5.3 Avg household size (owned) 2.53
Year built
Era % 2020 or later 0.7% 2010–2019 1.6% 2000–2009 9.9% 1990–1999 9.6% 1980–1989 12.4% 1970–1979 22.4% 1960–1969 13.2% 1950–1959 16.1% 1940–1949 4.1% 1939 or earlier 10.1%
Bedrooms
Size % of units No bedroom (studio) 0.3% 1 bedroom 3.8% 2 bedrooms 39.4% 3 bedrooms 42.7% 4 bedrooms 9.8% 5+ bedrooms 4.0%
Vehicles per household
Vehicles % of households No vehicle 0.6% 1 vehicle 29.0% 2 vehicles 52.6% 3 or more 17.8%
Heating fuel
Fuel type % Utility gas 41.2% Electricity 43.3% Propane / LP gas 14.2%
Households & families
Household type Count % Married-couple family 603 57.2% Cohabiting couple 55 5.2% Male householder, no spouse 154 14.6% Female householder, no spouse 242 23.0% Households with children under 18 309 29.3% Households with seniors (65+) 386 36.6% Average household size 2.52
Marital status
Status Male Female Never married 15.5% 14.0% Married 62.8% 57.9% Separated 2.0% 1.5% Widowed 1.6% 10.0% Divorced 18.1% 16.7%
Education
Some HS, no diploma
13.0%
Some college, no degree
19.4%
Graduate / professional
3.4%
Metric % HS diploma or higher 77.4% Bachelor's or higher 13.7%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 20 4.1% Kindergarten 42 8.6% Elementary school 294 60.2% High school 98 20.1% College / grad school 34 7.0%
Employment
Industry of employment
Education & healthcare
22.2%
Public administration
7.9%
Transportation & utilities
7.2%
Agriculture & mining
6.6%
Professional & management
3.3%
Arts, food & hospitality
3.3%
Finance & real estate
2.6%
Occupation
Category % Management, business & arts 34.2% Service 14.2% Sales & office 17.3% Natural resources & construction 13.5% Production & transportation 20.7%
Employment type
Type % Private sector 76.1% Government 17.2% Self-employed 6.8% Unpaid family workers 0.0%
Commute
Method % Drive alone 87.6% Carpool 7.8% Public transit 0.0% Walk 1.0% Work from home 3.6% Other means 0.0% Avg commute (minutes) 21.9
Poverty
Married-couple families
5.3%
Female-led households
26.7%
Income support
Source % of households Social Security 47.4% Retirement income 22.7% Supplemental Security 11.0% Cash public assistance 1.7% Food stamps / SNAP 15.7%
Health indicators
Condition % Obesity 40.7% High blood pressure 37.9% High cholesterol 37.7% Diabetes 13.9% Heart disease 9.4% Stroke 4.5% Asthma 10.5% Arthritis 32.4% Kidney disease 3.8% Pulmonary disease 11.9% Cancer 7.6%
Behavior / access % Smoking 27.9% Binge drinking 15.2% No physical activity 34.4% Less than 7 hrs sleep 35.3% Depression 26.6% Fair or poor health 22.9% Poor mental health 17.5% Poor physical health 15.6% No health insurance 19.3% Visited doctor (checkup) 74.5% Visited dentist 49.1% Cholesterol screening 86.7% Teeth loss 26.3%
Veterans & disability
Veterans Count % Civilian veterans 177 8.4%
Disability % Any disability 18.4% Under 18 5.8% 18–64 years 16.8% 65 and over 34.7%
Health insurance coverage
Type % Private insurance 50.4% Public insurance 49.6% No insurance 12.9% Uninsured under 19 2.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 2,538 94.7% Spanish 7 0.3% Other Indo-European 7 0.3% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 2,665 99.4% Born in same state 2,662 99.3% Born in different state 2,166 80.8% Foreign born 3 0.1% Naturalized citizen 15 0.6% Not a US citizen 8 53.3%
Ancestry
Ancestry Count % Italian 405 15.1% French 404 15.1% Arab 287 10.7%
Ancestry Count % Polish 18 0.7% English 13 0.5%
Technology access
Metric % of households Computer access 39.3% Internet access 89.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 63822
What city is ZIP code 63822 in?
ZIP code 63822 is primarily assigned to Bernie, Missouri.
What county is ZIP code 63822 in?
ZIP code 63822 falls within Stoddard County, Missouri.
Does ZIP code 63822 have a large retiree population?
47% of households in ZIP code 63822 receive Social Security income, suggesting a significant retiree or disability population.
How educated is the population of ZIP code 63822?
14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
What is the poverty rate in ZIP code 63822?
17% of residents in ZIP code 63822 live below the poverty line, above the national average.
What is the typical home value in ZIP code 63822?
The median home value in ZIP code 63822 is $90,000.
What timezone is ZIP code 63822 in?
ZIP code 63822 observes the CST timezone.
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