64481 ZIP Code — Ridgeway, MO

Harrison County, Missouri

ZIP code 64481 is located in Ridgeway, Missouri, within Harrison County. It covers approximately 128.05 square miles and serves a population of 1,017 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 660.

About ZIP code 64481

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 $98,300. Owner-occupancy is high at 77%, well above the national average.

Median household income is $54,375. 52% 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 18% 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.

Overall, ZIP code 64481 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,017

population

128.05

sq mi land

Standard

ZIP type

Central (CT)

timezone

64481 ZIP code map

Cities in ZIP code 64481

Below are the cities the US Postal Service accepts for ZIP code 64481. Using any city not on this list may result in mail delivery delays.

City	Status
Ridgeway	Acceptable
Ridgeway	Preferred

Nearby ZIP codes

64424 Bethany (7.8 mi) 64442 Eagleville (10.1 mi) 64426 Blythedale (11 mi) 64467 Martinsville (11.9 mi) 64632 Cainsville (12.6 mi) 64471 New Hampton (14.6 mi) 64636 Coffey (18 mi) 64441 Denver (18.7 mi) 64673 Princeton (18.9 mi) 50140 Lamoni (19.9 mi)

Demographics updated 05/2026

Population
Total population	1,017
Population density	8 / sq mi
State FIPS	29
County FIPS	081

Geography
Land area	128.05 sq mi
Water area	1.03 sq mi
Latitude	40.3616
Longitude	-93.9440
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	55.0%	58.8%	43.8%
$50k – $100k	34.5%	30.4%	31.5%
$100k – $200k	10.3%	10.2%	19.5%
Over $200k	0.3%	0.6%	5.2%

Demographics & statistics

1,017

Population

People per sq mi

45.0

Median age

$54,375

Median household income

$27,892

Per capita income

$98,300

Median home value

$532

Median monthly rent

77.1%

Home ownership

15.2%

Poverty rate

5.6%

Unemployment

428

Housing units

17.8%

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	230	22.6%
18 and over	787	77.4%
65 and over	208	20.5%
Median age	45.0 years

Race & ethnicity

White 99.2%

Two or more races 0.6%

Asian 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	1,009	99.2%
Two or more races	6	0.6%
Asian	1	0.1%
American Indian / Alaska Native	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.0%	58.8%	43.8%
$50k – $100k	34.5%	30.4%	31.5%
$100k – $200k	10.3%	10.2%	19.5%
Over $200k	0.3%	0.6%	5.2%

Under $10k 4.7%

$10k–$15k 1.9%

$15k–$25k 11.8%

$25k–$35k 9.6%

$35k–$50k 17.4%

$50k–$75k 22.6%

$75k–$100k 17.1%

$100k–$150k 9.6%

$150k–$200k 1.7%

$200k+ 3.6%

Range	% of households
Under $10k	4.7%
$10k–$15k	1.9%
$15k–$25k	11.8%
$25k–$35k	9.6%
$35k–$50k	17.4%
$50k–$75k	22.6%
$75k–$100k	17.1%
$100k–$150k	9.6%
$150k–$200k	1.7%
$200k+	3.6%
Median income	$54,375

Housing

Home values

Under $50k 25.0%

$50k–$100k 26.4%

$100k–$150k 11.8%

$150k–$200k 7.1%

$200k–$300k 17.1%

$300k–$500k 9.6%

$500k–$1M 2.1%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$98,300
Median rent / month	$532
Owner occupied	77.1%
Renter occupied	22.9%
Vacant	29.0%
Single-family detached	80.0%
Large apartment buildings	0.0%
Mobile homes	13.7%
Median rooms	5.9
Avg household size (owned)	3.15

Year built

Era	%
2020 or later	0.4%
2010–2019	3.7%
2000–2009	26.2%
1990–1999	4.9%
1980–1989	3.1%
1970–1979	11.5%
1960–1969	7.8%
1950–1959	3.5%
1940–1949	5.1%
1939 or earlier	33.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	9.4%
2 bedrooms	25.2%
3 bedrooms	47.4%
4 bedrooms	16.6%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	2.2%
1 vehicle	28.7%
2 vehicles	31.7%
3 or more	37.5%

Heating fuel

Fuel type	%
Utility gas	18.5%
Electricity	35.5%
Propane / LP gas	32.2%
Wood	9.4%

Households & families

Household type	Count	%
Married-couple family	197	54.3%
Cohabiting couple	26	7.2%
Male householder, no spouse	46	12.7%
Female householder, no spouse	94	25.9%
Households with children under 18	94	25.9%
Households with seniors (65+)	163	44.9%
Average household size	2.80

Marital status

Status	Male	Female
Never married	27.7%	15.8%
Married	50.8%	58.0%
Separated	7.6%	0.8%
Widowed	3.0%	10.0%
Divorced	11.0%	15.5%

Education

Less than 9th grade 3.5%

Some HS, no diploma 7.0%

HS graduate 44.4%

Some college, no degree 15.7%

Associate's degree 11.6%

Bachelor's degree 11.6%

Graduate / professional 6.2%

Metric	%
HS diploma or higher	89.6%
Bachelor's or higher	17.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	18	7.5%
Kindergarten	20	8.4%
Elementary school	99	41.4%
High school	56	23.4%
College / grad school	46	19.2%

Employment

Industry of employment

Education & healthcare 29.2%

Retail trade 16.2%

Agriculture & mining 12.5%

Construction 9.7%

Transportation & utilities 7.5%

Manufacturing 6.5%

Professional & management 5.2%

Public administration 4.5%

Other services 3.0%

Information 2.5%

Wholesale trade 1.2%

Finance & real estate 1.0%

Arts, food & hospitality 1.0%

Occupation

Category	%
Management, business & arts	40.1%
Service	14.5%
Sales & office	17.0%
Natural resources & construction	15.5%
Production & transportation	13.0%

Employment type

Type	%
Private sector	68.1%
Government	20.4%
Self-employed	9.7%
Unpaid family workers	1.7%

Commute

Method	%
Drive alone	87.0%
Carpool	6.4%
Public transit	0.3%
Walk	0.3%
Work from home	0.0%
Other means	6.1%
Avg commute (minutes)	21.8

Poverty

All people 15.2%

Under 18 years 23.5%

18 and over 12.8%

Married-couple families 13.7%

Female-led households 4.8%

Income support

Source	% of households
Social Security	51.5%
Retirement income	27.5%
Supplemental Security	7.2%
Cash public assistance	3.9%
Food stamps / SNAP	12.9%

Health indicators

Condition	%
Obesity	39.4%
High blood pressure	38.3%
High cholesterol	40.7%
Diabetes	13.7%
Heart disease	9.7%
Stroke	4.5%
Asthma	10.0%
Arthritis	34.1%
Kidney disease	3.8%
Pulmonary disease	11.7%
Cancer	8.0%

Behavior / access	%
Smoking	24.2%
Binge drinking	14.7%
No physical activity	31.0%
Less than 7 hrs sleep	34.5%
Depression	24.3%
Fair or poor health	21.5%
Poor mental health	15.9%
Poor physical health	14.9%
No health insurance	17.3%
Visited doctor (checkup)	75.5%
Visited dentist	54.3%
Cholesterol screening	88.8%
Teeth loss	22.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	78	9.9%

Disability	%
Any disability	19.9%
Under 18	1.3%
18–64 years	18.3%
65 and over	44.7%

Health insurance coverage

Type	%
Private insurance	55.6%
Public insurance	51.3%
No insurance	7.4%
Uninsured under 19	3.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	961	94.5%
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)	1,017	100.0%
Born in same state	1,016	99.9%
Born in different state	554	54.5%
Foreign born	1	0.1%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	213	20.9%
French	157	15.4%
Italian	80	7.9%

Ancestry	Count	%
English	9	0.9%
Polish	3	0.3%

Technology access

Metric	% of households
Computer access	35.7%
Internet access	82.1%

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

Frequently asked questions about ZIP code 64481

What city is ZIP code 64481 in?

ZIP code 64481 is primarily assigned to Ridgeway, Missouri.

What county is ZIP code 64481 in?

ZIP code 64481 falls within Harrison County, Missouri.

Does ZIP code 64481 have a large retiree population?

52% of households in ZIP code 64481 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 64481?

15% of residents in ZIP code 64481 live below the poverty line, above the national average.

What is the typical home value in ZIP code 64481?

The median home value in ZIP code 64481 is $98,300.

Does ZIP code 64481 have a large veteran population?

10% of civilians in ZIP code 64481 are veterans, above the national average of ~7%.

What timezone is ZIP code 64481 in?

ZIP code 64481 observes the CST timezone.