64778 ZIP Code — Richards, MO

Vernon County, Missouri

ZIP code 64778 is located in Richards, Missouri, within Vernon County. It covers approximately 114.88 square miles and serves a population of 489 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 417.

About ZIP code 64778

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $97,500. Owner-occupancy is high at 85%, well above the national average.

Median household income is $66,818. 51% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is natural resources, construction, and trades, with agriculture and mining as the leading industry. The average commute of 18 minutes is near the national average. Remote work is prevalent — 26% of workers work from home.

College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks. 27% of residents lack health insurance, above the national average.

Overall, ZIP code 64778 reflects a community defined by a trades-oriented workforce, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

489

population

114.88

sq mi land

Standard

ZIP type

Central (CT)

timezone

64778 ZIP code map

Cities in ZIP code 64778

Below are the cities the US Postal Service accepts for ZIP code 64778. Using any city not on this list may result in mail delivery delays.

City	Status
Richards	Acceptable
Richards	Preferred

Nearby ZIP codes

64752 Hume (6.7 mi) 64772 Nevada (9.2 mi) 64741 Deerfield (10.5 mi) 64779 Rich Hill (11.9 mi) 64790 Walker (12.6 mi) 64771 Moundville (15.2 mi) 64783 Schell City (15.3 mi) 64745 Foster (15.9 mi) 66767 Prescott (16.6 mi) 64780 Rockville (17.1 mi) 64767 Milo (17.7 mi) 64750 Harwood (18 mi)

Demographics updated 05/2026

Population
Total population	489
Population density	4 / sq mi
State FIPS	29
County FIPS	217

Geography
Land area	114.88 sq mi
Water area	1.68 sq mi
Latitude	37.9561
Longitude	-94.4483
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	37.4%	55.5%	43.8%
$50k – $100k	51.9%	31.7%	31.5%
$100k – $200k	6.4%	11.5%	19.5%
Over $200k	4.3%	1.3%	5.2%

Demographics & statistics

489

Population

People per sq mi

34.2

Median age

$66,818

Median household income

$24,835

Per capita income

$97,500

Median home value

$822

Median monthly rent

85.3%

Home ownership

16.8%

Poverty rate

1.0%

Unemployment

196

Housing units

15.3%

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	121	24.7%
18 and over	368	75.3%
65 and over	101	20.7%
Median age	34.2 years

Race & ethnicity

White 98.6%

Two or more races 1.4%

Group	Count	%
White	482	98.6%
Two or more races	7	1.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.4%	55.5%	43.8%
$50k – $100k	51.9%	31.7%	31.5%
$100k – $200k	6.4%	11.5%	19.5%
Over $200k	4.3%	1.3%	5.2%

$10k–$15k 1.8%

$15k–$25k 2.9%

$25k–$35k 11.8%

$35k–$50k 14.1%

$50k–$75k 23.5%

$75k–$100k 32.4%

$100k–$150k 11.8%

$200k+ 1.8%

Range	% of households
$10k–$15k	1.8%
$15k–$25k	2.9%
$25k–$35k	11.8%
$35k–$50k	14.1%
$50k–$75k	23.5%
$75k–$100k	32.4%
$100k–$150k	11.8%
$200k+	1.8%
Median income	$66,818

Housing

Home values

Under $50k 13.8%

$50k–$100k 39.3%

$100k–$150k 13.1%

$200k–$300k 9.0%

$300k–$500k 15.2%

$1M+ 9.7%

Housing overview

Metric	Value
Median home value	$97,500
Median rent / month	$822
Owner occupied	85.3%
Renter occupied	14.7%
Vacant	23.1%
Single-family detached	59.7%
Large apartment buildings	0.0%
Mobile homes	40.3%
Median rooms	5.9
Avg household size (owned)	2.85

Year built

Era	%
2020 or later	0.0%
2010–2019	3.2%
2000–2009	13.1%
1990–1999	8.6%
1980–1989	38.9%
1970–1979	6.3%
1960–1969	0.0%
1950–1959	1.4%
1940–1949	8.1%
1939 or earlier	20.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	18.1%
3 bedrooms	65.6%
4 bedrooms	16.3%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.7%
1 vehicle	10.6%
2 vehicles	26.5%
3 or more	58.2%

Heating fuel

Fuel type	%
Electricity	31.8%
Propane / LP gas	47.1%
Wood	21.2%

Households & families

Household type	Count	%
Married-couple family	109	64.1%
Cohabiting couple	23	13.5%
Male householder, no spouse	20	11.8%
Female householder, no spouse	18	10.6%
Households with children under 18	47	27.6%
Households with seniors (65+)	63	37.1%
Average household size	2.88

Marital status

Status	Male	Female
Never married	17.2%	20.9%
Married	62.0%	68.6%
Separated	3.6%	1.0%
Widowed	1.6%	5.2%
Divorced	15.6%	4.2%

Education

Less than 9th grade 3.7%

Some HS, no diploma 5.0%

HS graduate 55.8%

Some college, no degree 11.2%

Associate's degree 9.0%

Bachelor's degree 10.6%

Graduate / professional 4.7%

Metric	%
HS diploma or higher	91.3%
Bachelor's or higher	15.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	12	14.3%
Elementary school	68	81.0%
High school	3	3.6%
College / grad school	1	1.2%

Employment

Industry of employment

Agriculture & mining 32.5%

Manufacturing 18.8%

Retail trade 12.0%

Construction 9.4%

Finance & real estate 6.3%

Transportation & utilities 5.8%

Education & healthcare 5.8%

Professional & management 3.7%

Public administration 2.6%

Other services 2.1%

Arts, food & hospitality 1.0%

Occupation

Category	%
Management, business & arts	26.2%
Service	1.0%
Sales & office	19.4%
Natural resources & construction	30.9%
Production & transportation	22.5%

Employment type

Type	%
Private sector	64.9%
Government	5.2%
Self-employed	25.1%
Unpaid family workers	4.7%

Commute

Method	%
Drive alone	69.1%
Carpool	0.0%
Public transit	0.0%
Walk	4.5%
Work from home	26.4%
Other means	0.0%
Avg commute (minutes)	17.9

Poverty

All people 16.8%

Under 18 years 30.3%

18 and over 12.8%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	50.6%
Retirement income	51.2%
Supplemental Security	3.5%
Cash public assistance	0.0%
Food stamps / SNAP	4.7%

Health indicators

Condition	%
Obesity	36.4%
High blood pressure	34.1%
High cholesterol	36.1%
Diabetes	11.7%
Heart disease	8.5%
Stroke	3.8%
Asthma	9.8%
Arthritis	30.8%
Kidney disease	3.3%
Pulmonary disease	10.0%
Cancer	7.1%

Behavior / access	%
Smoking	23.3%
Binge drinking	17.3%
No physical activity	29.2%
Less than 7 hrs sleep	32.4%
Depression	24.8%
Fair or poor health	18.9%
Poor mental health	16.4%
Poor physical health	13.3%
No health insurance	16.4%
Visited doctor (checkup)	73.9%
Visited dentist	56.0%
Cholesterol screening	87.4%
Teeth loss	21.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	9	2.4%

Disability	%
Any disability	19.0%
Under 18	0.0%
18–64 years	24.3%
65 and over	27.7%

Health insurance coverage

Type	%
Private insurance	46.6%
Public insurance	42.3%
No insurance	27.0%
Uninsured under 19	23.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	469	95.9%
Spanish	13	2.8%
Other Indo-European	0	0.0%
Asian & Pacific Islander	13	2.8%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	489	100.0%
Born in same state	489	100.0%
Born in different state	299	61.1%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	65	13.3%
Italian	62	12.7%

Ancestry	Count	%
Dutch	9	1.8%
Arab	9	1.8%

Technology access

Metric	% of households
Computer access	34.8%
Internet access	94.7%

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

Frequently asked questions about ZIP code 64778

What city is ZIP code 64778 in?

ZIP code 64778 is primarily assigned to Richards, Missouri.

What county is ZIP code 64778 in?

ZIP code 64778 falls within Vernon County, Missouri.

Does ZIP code 64778 have a large retiree population?

51% of households in ZIP code 64778 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 64778 mostly owner-occupied?

85% of occupied units in ZIP code 64778 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 64778?

17% of residents in ZIP code 64778 live below the poverty line, above the national average.

What is the typical home value in ZIP code 64778?

The median home value in ZIP code 64778 is $97,500.

What timezone is ZIP code 64778 in?

ZIP code 64778 observes the CST timezone.