64431 ZIP Code — Clearmont, MO

Nodaway County, Missouri

ZIP code 64431 is located in Clearmont, Missouri, within Nodaway County. It covers approximately 46.76 square miles and serves a population of 412 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 660.

About ZIP code 64431

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $144,400. Owner-occupancy is high at 82%, well above the national average.

Median household income is $83,125. The poverty rate of 7% is below the national average. 39% 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 29 minutes is near the national average.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 64431 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

412

population

46.76

sq mi land

Standard

ZIP type

Central (CT)

timezone

64431 ZIP code map

Cities in ZIP code 64431

Below are the cities the US Postal Service accepts for ZIP code 64431. Using any city not on this list may result in mail delivery delays.

City	Status
Clearmont	Preferred

Nearby ZIP codes

51631 Braddyville (5.3 mi) 64445 Elmo (6.5 mi) 64428 Burlington Junction (6.5 mi) 64461 Hopkins (8.8 mi) 64476 Pickering (9 mi) 51630 Blanchard (13 mi) 64487 Skidmore (13.1 mi) 51646 New Market (15.2 mi) 51636 Coin (16.4 mi) 51632 Clarinda (16.4 mi) 64475 Parnell (16.4 mi) 64498 Westboro (17.3 mi)

Demographics updated 05/2026

Population
Total population	412
Population density	9 / sq mi
State FIPS	29
County FIPS	147

Geography
Land area	46.76 sq mi
Water area	0.08 sq mi
Latitude	40.5259
Longitude	-94.9881
Timezone	Central (CT)
Area code	660

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.5%	54.3%	43.8%
$50k – $100k	41.5%	31.3%	31.5%
$100k – $200k	22.7%	12.6%	19.5%
Over $200k	6.3%	1.9%	5.2%

Demographics & statistics

412

Population

People per sq mi

50.6

Median age

$83,125

Median household income

$41,060

Per capita income

$144,400

Median home value

$475

Median monthly rent

82.0%

Home ownership

6.6%

Poverty rate

0.0%

Unemployment

208

Housing units

16.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	80	19.4%
18 and over	332	80.6%
65 and over	99	24.0%
Median age	50.6 years

Race & ethnicity

White 96.7%

Two or more races 1.9%

Hispanic or Latino 1.4%

Group	Count	%
White	404	96.7%
Two or more races	8	1.9%
Hispanic or Latino	6	1.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.5%	54.3%	43.8%
$50k – $100k	41.5%	31.3%	31.5%
$100k – $200k	22.7%	12.6%	19.5%
Over $200k	6.3%	1.9%	5.2%

Under $10k 3.8%

$10k–$15k 4.9%

$15k–$25k 10.4%

$25k–$35k 6.0%

$35k–$50k 6.6%

$50k–$75k 13.7%

$75k–$100k 12.6%

$100k–$150k 24.0%

$150k–$200k 12.6%

$200k+ 5.5%

Range	% of households
Under $10k	3.8%
$10k–$15k	4.9%
$15k–$25k	10.4%
$25k–$35k	6.0%
$35k–$50k	6.6%
$50k–$75k	13.7%
$75k–$100k	12.6%
$100k–$150k	24.0%
$150k–$200k	12.6%
$200k+	5.5%
Median income	$83,125

Housing

Home values

Under $50k 21.3%

$50k–$100k 18.0%

$100k–$150k 12.0%

$150k–$200k 28.0%

$200k–$300k 16.0%

$300k–$500k 2.0%

$1M+ 2.7%

Housing overview

Metric	Value
Median home value	$144,400
Median rent / month	$475
Owner occupied	82.0%
Renter occupied	18.0%
Vacant	24.1%
Single-family detached	84.6%
Large apartment buildings	0.0%
Mobile homes	7.1%
Median rooms	6.0
Avg household size (owned)	2.13

Year built

Era	%
2020 or later	0.0%
2010–2019	4.6%
2000–2009	2.5%
1990–1999	11.2%
1980–1989	4.1%
1970–1979	24.9%
1960–1969	2.9%
1950–1959	7.9%
1940–1949	5.8%
1939 or earlier	36.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	10.8%
2 bedrooms	22.4%
3 bedrooms	48.5%
4 bedrooms	15.4%
5+ bedrooms	2.9%

Vehicles per household

Vehicles	% of households
No vehicle	4.4%
1 vehicle	23.0%
2 vehicles	30.1%
3 or more	42.6%

Heating fuel

Fuel type	%
Electricity	49.7%
Propane / LP gas	27.3%
Fuel oil	1.6%
Wood	2.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	118	64.5%
Cohabiting couple	9	4.9%
Male householder, no spouse	30	16.4%
Female householder, no spouse	26	14.2%
Households with children under 18	32	17.5%
Households with seniors (65+)	71	38.8%
Average household size	2.25

Marital status

Status	Male	Female
Never married	20.7%	24.4%
Married	65.4%	60.6%
Separated	0.0%	0.0%
Widowed	3.4%	10.6%
Divorced	10.6%	4.4%

Education

Less than 9th grade 1.0%

Some HS, no diploma 1.7%

HS graduate 54.0%

Some college, no degree 16.2%

Associate's degree 10.6%

Bachelor's degree 6.3%

Graduate / professional 10.3%

Metric	%
HS diploma or higher	97.4%
Bachelor's or higher	16.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	24	22.0%
Elementary school	18	16.5%
High school	46	42.2%
College / grad school	21	19.3%

Employment

Industry of employment

Education & healthcare 18.5%

Retail trade 18.0%

Agriculture & mining 17.6%

Manufacturing 15.6%

Professional & management 9.8%

Finance & real estate 5.4%

Public administration 4.9%

Transportation & utilities 4.4%

Construction 2.9%

Arts, food & hospitality 2.4%

Other services 0.5%

Occupation

Category	%
Management, business & arts	55.6%
Service	1.5%
Sales & office	12.2%
Natural resources & construction	16.6%
Production & transportation	14.1%

Employment type

Type	%
Private sector	77.1%
Government	9.8%
Self-employed	13.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.1%
Carpool	7.0%
Public transit	0.0%
Walk	3.5%
Work from home	6.5%
Other means	0.0%
Avg commute (minutes)	28.6

Poverty

All people 6.6%

Under 18 years 2.6%

18 and over 7.5%

Married-couple families 4.2%

Female-led households 80.0%

Income support

Source	% of households
Social Security	39.3%
Retirement income	26.2%
Supplemental Security	9.8%
Cash public assistance	3.8%
Food stamps / SNAP	8.7%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	40.0%
High cholesterol	39.2%
Diabetes	13.9%
Heart disease	10.2%
Stroke	4.6%
Asthma	9.4%
Arthritis	35.6%
Kidney disease	3.9%
Pulmonary disease	11.5%
Cancer	8.8%

Behavior / access	%
Smoking	22.1%
Binge drinking	15.2%
No physical activity	29.9%
Less than 7 hrs sleep	29.7%
Depression	23.4%
Fair or poor health	20.6%
Poor mental health	15.0%
Poor physical health	14.5%
No health insurance	16.0%
Visited doctor (checkup)	76.8%
Visited dentist	54.3%
Cholesterol screening	89.7%
Teeth loss	20.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	23	6.9%

Disability	%
Any disability	17.7%
Under 18	3.8%
18–64 years	15.5%
65 and over	34.3%

Health insurance coverage

Type	%
Private insurance	76.7%
Public insurance	38.6%
No insurance	2.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	402	97.6%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	411	99.8%
Born in same state	408	99.0%
Born in different state	217	52.7%
Foreign born	3	0.7%
Naturalized citizen	1	0.2%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	106	25.7%
Arab	66	16%
Italian	28	6.8%

Ancestry	Count	%
Dutch	3	0.7%
English	2	0.5%

Technology access

Metric	% of households
Computer access	44.4%
Internet access	84.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 64431

What city is ZIP code 64431 in?

ZIP code 64431 is primarily assigned to Clearmont, Missouri.

What county is ZIP code 64431 in?

ZIP code 64431 falls within Nodaway County, Missouri.

Is ZIP code 64431 mostly owner-occupied?

82% of occupied units in ZIP code 64431 are owner-occupied, well above the national average.

Does ZIP code 64431 have a large retiree population?

39% of households in ZIP code 64431 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 64431?

The median home value in ZIP code 64431 is $144,400.

What is the population of ZIP code 64431?

ZIP code 64431 has an estimated population of 412 residents, with a density of 9 people per square mile.

What timezone is ZIP code 64431 in?

ZIP code 64431 observes the CST timezone.