64776 ZIP Code — Osceola, MO

Saint Clair County, Missouri

ZIP code 64776 is located in Osceola, Missouri, within Saint Clair County. It covers approximately 237.33 square miles and serves a population of 3,521 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 417.

About ZIP code 64776

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 $139,500. Owner-occupancy is high at 78%, well above the national average.

Median household income is $41,996. SNAP benefit usage at 18% of households reflects economic stress in the area. 55% 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 25 minutes is near the national average.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%; and disability rates above the national average at 25%.

Overall, ZIP code 64776 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

3,521

population

237.33

sq mi land

Standard

ZIP type

Central (CT)

timezone

64776 ZIP code map

Cities in ZIP code 64776

Below are the cities the US Postal Service accepts for ZIP code 64776. Using any city not on this list may result in mail delivery delays.

City	Status
Osceola	Acceptable
Osceola	Preferred

Nearby ZIP codes

64763 Lowry City (8.8 mi) 64738 Collins (13.1 mi) 64724 Appleton City (13.9 mi) 64740 Deepwater (14.5 mi) 65735 Quincy (17.7 mi) 64770 Montrose (18.4 mi) 64744 El Dorado Springs (18.8 mi) 65774 Weaubleau (19.1 mi) 64750 Harwood (19.6 mi)

Demographics updated 05/2026

Population
Total population	3,521
Population density	15 / sq mi
State FIPS	29
County FIPS	185

Geography
Land area	237.33 sq mi
Water area	11.17 sq mi
Latitude	38.0500
Longitude	-93.7815
Timezone	Central (CT)
Area code	417

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.9%	59.0%	43.8%
$50k – $100k	26.7%	27.8%	31.5%
$100k – $200k	12.2%	11.8%	19.5%
Over $200k	1.3%	1.3%	5.2%

Demographics & statistics

3,521

Population

People per sq mi

51.7

Median age

$41,996

Median household income

$24,786

Per capita income

$139,500

Median home value

$586

Median monthly rent

77.7%

Home ownership

15.0%

Poverty rate

2.5%

Unemployment

1,951

Housing units

8.8%

Bachelor's or higher

Age distribution

Male Female

111

Under 5

104

5–9

10–14

15–19

20–24

153

25–34

143

182

35–44

170

275

45–54

256

162

55–59

152

60–64

347

65–74

324

136

75–84

126

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	657	18.7%
18 and over	2,864	81.3%
65 and over	1,039	29.5%
Median age	51.7 years

Race & ethnicity

White 90.5%

Two or more races 3.9%

Hispanic or Latino 2.7%

Black or African American 1.1%

Other race 1%

American Indian / Alaska Native 0.6%

Asian 0.3%

Group	Count	%
White	3,272	90.5%
Two or more races	140	3.9%
Hispanic or Latino	96	2.7%
Black or African American	39	1.1%
Other race	37	1%
American Indian / Alaska Native	21	0.6%
Asian	12	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.9%	59.0%	43.8%
$50k – $100k	26.7%	27.8%	31.5%
$100k – $200k	12.2%	11.8%	19.5%
Over $200k	1.3%	1.3%	5.2%

Under $10k 5.0%

$10k–$15k 7.3%

$15k–$25k 11.7%

$25k–$35k 14.4%

$35k–$50k 22.1%

$50k–$75k 19.2%

$75k–$100k 7.0%

$100k–$150k 10.3%

$150k–$200k 1.1%

$200k+ 1.9%

Range	% of households
Under $10k	5.0%
$10k–$15k	7.3%
$15k–$25k	11.7%
$25k–$35k	14.4%
$35k–$50k	22.1%
$50k–$75k	19.2%
$75k–$100k	7.0%
$100k–$150k	10.3%
$150k–$200k	1.1%
$200k+	1.9%
Median income	$41,996

Housing

Home values

Under $50k 13.5%

$50k–$100k 14.7%

$100k–$150k 27.3%

$150k–$200k 12.8%

$200k–$300k 16.4%

$300k–$500k 8.9%

$500k–$1M 3.3%

$1M+ 3.2%

Housing overview

Metric	Value
Median home value	$139,500
Median rent / month	$586
Owner occupied	77.7%
Renter occupied	22.3%
Vacant	31.9%
Single-family detached	78.1%
Large apartment buildings	0.7%
Mobile homes	14.8%
Median rooms	5.1
Avg household size (owned)	2.21

Year built

Era	%
2020 or later	0.0%
2010–2019	6.7%
2000–2009	11.1%
1990–1999	15.8%
1980–1989	8.9%
1970–1979	17.6%
1960–1969	9.1%
1950–1959	8.0%
1940–1949	3.7%
1939 or earlier	19.1%

Bedrooms

Size	% of units
No bedroom (studio)	4.2%
1 bedroom	8.4%
2 bedrooms	43.7%
3 bedrooms	29.7%
4 bedrooms	11.2%
5+ bedrooms	2.8%

Vehicles per household

Vehicles	% of households
No vehicle	7.8%
1 vehicle	29.6%
2 vehicles	33.8%
3 or more	28.9%

Heating fuel

Fuel type	%
Utility gas	6.1%
Electricity	42.2%
Propane / LP gas	31.5%
Wood	19.2%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	763	48.7%
Cohabiting couple	108	6.9%
Male householder, no spouse	356	22.7%
Female householder, no spouse	339	21.6%
Households with children under 18	383	24.5%
Households with seniors (65+)	768	49.0%
Average household size	2.18

Marital status

Status	Male	Female
Never married	18.7%	15.7%
Married	52.2%	58.4%
Separated	1.3%	0.6%
Widowed	8.3%	14.4%
Divorced	19.4%	11.0%

Education

Less than 9th grade 2.9%

Some HS, no diploma 7.6%

HS graduate 41.5%

Some college, no degree 29.8%

Associate's degree 9.3%

Bachelor's degree 6.0%

Graduate / professional 2.8%

Metric	%
HS diploma or higher	89.5%
Bachelor's or higher	8.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	76	14.4%
Kindergarten	36	6.8%
Elementary school	241	45.8%
High school	120	22.8%
College / grad school	53	10.1%

Employment

Industry of employment

Education & healthcare 25.8%

Retail trade 16.5%

Transportation & utilities 11.4%

Arts, food & hospitality 6.7%

Finance & real estate 6.2%

Professional & management 6.1%

Other services 6.0%

Public administration 4.4%

Agriculture & mining 4.1%

Wholesale trade 3.8%

Manufacturing 3.1%

Construction 2.9%

Information 2.9%

Occupation

Category	%
Management, business & arts	35.5%
Service	16.2%
Sales & office	24.0%
Natural resources & construction	7.0%
Production & transportation	17.4%

Employment type

Type	%
Private sector	71.1%
Government	17.3%
Self-employed	10.7%
Unpaid family workers	0.9%

Commute

Method	%
Drive alone	78.7%
Carpool	12.5%
Public transit	0.1%
Walk	2.7%
Work from home	5.5%
Other means	0.5%
Avg commute (minutes)	25.3

Poverty

All people 15.0%

Under 18 years 15.4%

18 and over 14.9%

Married-couple families 6.3%

Female-led households 32.0%

Income support

Source	% of households
Social Security	55.1%
Retirement income	29.4%
Supplemental Security	6.5%
Cash public assistance	1.3%
Food stamps / SNAP	17.6%

Health indicators

Condition	%
Obesity	38.0%
High blood pressure	39.5%
High cholesterol	39.2%
Diabetes	14.3%
Heart disease	10.3%
Stroke	4.8%
Asthma	10.0%
Arthritis	35.3%
Kidney disease	4.1%
Pulmonary disease	12.2%
Cancer	8.5%

Behavior / access	%
Smoking	24.0%
Binge drinking	14.9%
No physical activity	31.6%
Less than 7 hrs sleep	34.2%
Depression	23.8%
Fair or poor health	22.1%
Poor mental health	15.6%
Poor physical health	15.2%
No health insurance	17.2%
Visited doctor (checkup)	75.8%
Visited dentist	53.9%
Cholesterol screening	89.3%
Teeth loss	22.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	321	11.2%

Disability	%
Any disability	24.7%
Under 18	8.8%
18–64 years	22.3%
65 and over	38.8%

Health insurance coverage

Type	%
Private insurance	56.5%
Public insurance	50.7%
No insurance	14.5%
Uninsured under 19	11.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,306	93.9%
Spanish	13	0.4%
Other Indo-European	0	0.0%
Asian & Pacific Islander	13	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,493	99.2%
Born in same state	3,492	99.2%
Born in different state	2,439	69.3%
Foreign born	1	0.0%
Naturalized citizen	28	0.8%
Not a US citizen	18	64.3%

Ancestry

Ancestry	Count	%
Arab	490	13.9%
Italian	395	11.2%
French	364	10.3%

Ancestry	Count	%
English	26	0.7%
Polish	22	0.6%
Irish	13	0.4%

Technology access

Metric	% of households
Computer access	44.5%
Internet access	84.3%

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

Frequently asked questions about ZIP code 64776

What city is ZIP code 64776 in?

ZIP code 64776 is primarily assigned to Osceola, Missouri.

What county is ZIP code 64776 in?

ZIP code 64776 falls within Saint Clair County, Missouri.

Does ZIP code 64776 have an older population?

30% of residents in ZIP code 64776 are 65 or older, above the national average of ~17%.

Does ZIP code 64776 have a large retiree population?

55% of households in ZIP code 64776 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 64776?

9% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 64776 have a large veteran population?

11% of civilians in ZIP code 64776 are veterans, above the national average of ~7%.

What timezone is ZIP code 64776 in?

ZIP code 64776 observes the CST timezone.