65081 ZIP Code — Tipton, MO

Moniteau County, Missouri

ZIP code 65081 is located in Tipton, Missouri, within Moniteau County. It covers approximately 73.92 square miles and serves a population of 4,343 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 660.

About ZIP code 65081

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 $142,100. Owner-occupancy sits near the national average at 74%.

The gap between median ($52,727) and mean household income suggests income inequality — a small number of higher earners pull the average up. 42% 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 32 minutes is near the national average. Remote work is prevalent — 21% of workers work from home.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (26%) compared to national benchmarks. 29% of residents lack health insurance, above the national average.

Overall, ZIP code 65081 reflects a community defined by a trades-oriented workforce, a high rate of remote workers, and a significant Social Security-dependent population.

4,343

population

73.92

sq mi land

Standard

ZIP type

Central (CT)

timezone

65081 ZIP code map

Cities in ZIP code 65081

Below are the cities the US Postal Service accepts for ZIP code 65081. Using any city not on this list may result in mail delivery delays.

City	Status
Tipton	Preferred

Nearby ZIP codes

65025 Clarksburg (5.6 mi) 65354 Syracuse (5.7 mi) 65034 Fortuna (6.3 mi) 65050 Latham (8.3 mi) 65237 Bunceton (9.5 mi) 65348 Otterville (10.6 mi) 65329 Florence (10.9 mi) 65018 California (13.5 mi) 65068 Prairie Home (15 mi) 65084 Versailles (15 mi) 65276 Pilot Grove (17.1 mi) 65011 Barnett (17.4 mi)

Demographics updated 05/2026

Population
Total population	4,343
Population density	59 / sq mi
State FIPS	29
County FIPS	135

Geography
Land area	73.92 sq mi
Water area	0.18 sq mi
Latitude	38.6370
Longitude	-92.7826
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	59.8%	44.5%	43.8%
$50k – $100k	31.1%	37.0%	31.5%
$100k – $200k	9.1%	16.5%	19.5%
Over $200k	0.0%	1.9%	5.2%

Demographics & statistics

4,343

Population

People per sq mi

37.6

Median age

$52,727

Median household income

$22,406

Per capita income

$142,100

Median home value

$714

Median monthly rent

73.5%

Home ownership

9.3%

Poverty rate

1.1%

Unemployment

840

Housing units

10.8%

Bachelor's or higher

Age distribution

Male Female

121

Under 5

5–9

288

10–14

153

249

15–19

133

260

20–24

138

299

25–34

159

334

35–44

177

322

45–54

171

289

55–59

153

201

60–64

107

178

65–74

128

75–84

104

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	980	22.6%
18 and over	3,363	77.4%
65 and over	628	14.5%
Median age	37.6 years

Race & ethnicity

White 92.2%

Black or African American 7%

Two or more races 0.3%

Native Hawaiian / Pacific Islander 0.3%

Hispanic or Latino 0.1%

Other race 0.1%

Group	Count	%
White	4,006	92.2%
Black or African American	303	7%
Two or more races	14	0.3%
Native Hawaiian / Pacific Islander	13	0.3%
Hispanic or Latino	3	0.1%
Other race	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.8%	44.5%	43.8%
$50k – $100k	31.1%	37.0%	31.5%
$100k – $200k	9.1%	16.5%	19.5%
Over $200k	0.0%	1.9%	5.2%

Under $10k 5.5%

$10k–$15k 7.4%

$15k–$25k 5.3%

$25k–$35k 14.5%

$35k–$50k 15.3%

$50k–$75k 15.9%

$75k–$100k 18.5%

$100k–$150k 7.4%

$150k–$200k 2.8%

$200k+ 7.6%

Range	% of households
Under $10k	5.5%
$10k–$15k	7.4%
$15k–$25k	5.3%
$25k–$35k	14.5%
$35k–$50k	15.3%
$50k–$75k	15.9%
$75k–$100k	18.5%
$100k–$150k	7.4%
$150k–$200k	2.8%
$200k+	7.6%
Median income	$52,727

Housing

Home values

Under $50k 3.7%

$50k–$100k 12.5%

$100k–$150k 36.1%

$150k–$200k 27.7%

$200k–$300k 11.8%

$300k–$500k 5.4%

$500k–$1M 2.2%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$142,100
Median rent / month	$714
Owner occupied	73.5%
Renter occupied	26.5%
Vacant	10.2%
Single-family detached	82.6%
Large apartment buildings	0.5%
Mobile homes	2.5%
Median rooms	6.0
Avg household size (owned)	3.49

Year built

Era	%
2020 or later	0.0%
2010–2019	2.8%
2000–2009	12.1%
1990–1999	14.1%
1980–1989	10.5%
1970–1979	18.6%
1960–1969	8.9%
1950–1959	10.3%
1940–1949	2.4%
1939 or earlier	20.3%

Bedrooms

Size	% of units
No bedroom (studio)	5.4%
1 bedroom	5.3%
2 bedrooms	21.6%
3 bedrooms	48.0%
4 bedrooms	10.1%
5+ bedrooms	9.7%

Vehicles per household

Vehicles	% of households
No vehicle	7.7%
1 vehicle	27.2%
2 vehicles	36.4%
3 or more	28.8%

Heating fuel

Fuel type	%
Utility gas	45.2%
Electricity	21.3%
Propane / LP gas	18.3%
Wood	15.3%

Households & families

Household type	Count	%
Married-couple family	463	46.8%
Cohabiting couple	110	11.1%
Male householder, no spouse	180	18.2%
Female householder, no spouse	237	23.9%
Households with children under 18	315	31.8%
Households with seniors (65+)	393	39.7%
Average household size	3.18

Marital status

Status	Male	Female
Never married	42.0%	28.6%
Married	27.5%	49.9%
Separated	2.1%	0.0%
Widowed	5.0%	15.2%
Divorced	23.5%	6.3%

Education

Less than 9th grade 4.7%

Some HS, no diploma 7.0%

HS graduate 56.1%

Some college, no degree 17.4%

Associate's degree 4.0%

Bachelor's degree 8.2%

Graduate / professional 2.6%

Metric	%
HS diploma or higher	88.3%
Bachelor's or higher	10.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	44	5.8%
Kindergarten	22	2.9%
Elementary school	486	64.5%
High school	130	17.3%
College / grad school	71	9.4%

Employment

Industry of employment

Education & healthcare 18.1%

Retail trade 17.1%

Agriculture & mining 15.5%

Professional & management 13.4%

Construction 9.9%

Manufacturing 9.2%

Public administration 4.5%

Arts, food & hospitality 3.0%

Wholesale trade 2.9%

Finance & real estate 2.9%

Transportation & utilities 2.2%

Other services 1.0%

Information 0.1%

Occupation

Category	%
Management, business & arts	29.5%
Service	24.0%
Sales & office	19.3%
Natural resources & construction	14.7%
Production & transportation	12.5%

Employment type

Type	%
Private sector	78.1%
Government	10.5%
Self-employed	7.7%
Unpaid family workers	3.7%

Commute

Method	%
Drive alone	63.7%
Carpool	12.2%
Public transit	0.0%
Walk	2.3%
Work from home	21.3%
Other means	0.4%
Avg commute (minutes)	31.6

Poverty

All people 9.3%

Under 18 years 8.6%

18 and over 9.7%

Married-couple families 3.5%

Female-led households 34.2%

Income support

Source	% of households
Social Security	41.8%
Retirement income	29.5%
Supplemental Security	5.4%
Cash public assistance	0.5%
Food stamps / SNAP	10.8%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	33.1%
High cholesterol	33.3%
Diabetes	11.1%
Heart disease	7.3%
Stroke	3.6%
Asthma	9.2%
Arthritis	26.4%
Kidney disease	3.0%
Pulmonary disease	8.9%
Cancer	5.9%

Behavior / access	%
Smoking	26.2%
Binge drinking	18.7%
No physical activity	29.8%
Less than 7 hrs sleep	36.9%
Depression	22.6%
Fair or poor health	19.3%
Poor mental health	16.1%
Poor physical health	12.8%
No health insurance	20.8%
Visited doctor (checkup)	69.9%
Visited dentist	50.2%
Cholesterol screening	85.3%
Teeth loss	23.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	287	8.5%

Disability	%
Any disability	12.7%
Under 18	0.0%
18–64 years	11.2%
65 and over	41.3%

Health insurance coverage

Type	%
Private insurance	52.4%
Public insurance	34.7%
No insurance	29.1%
Uninsured under 19	31.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,158	95.7%
Spanish	20	0.5%
Other Indo-European	0	0.0%
Asian & Pacific Islander	4	0.1%
Other languages	14	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,279	98.5%
Born in same state	4,264	98.2%
Born in different state	3,391	78.1%
Foreign born	15	0.3%
Naturalized citizen	64	1.5%
Not a US citizen	1	1.6%

Ancestry

Ancestry	Count	%
Arab	971	22.4%
French	395	9.1%

Ancestry	Count	%
Italian	384	8.8%
English	10	0.2%

Technology access

Metric	% of households
Computer access	22.8%
Internet access	79.0%

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

Frequently asked questions about ZIP code 65081

What city is ZIP code 65081 in?

ZIP code 65081 is primarily assigned to Tipton, Missouri.

What county is ZIP code 65081 in?

ZIP code 65081 falls within Moniteau County, Missouri.

How educated is the population of ZIP code 65081?

11% 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 65081 have a large retiree population?

42% of households in ZIP code 65081 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 65081?

The median home value in ZIP code 65081 is $142,100.

What is the population of ZIP code 65081?

ZIP code 65081 has an estimated population of 4,343 residents, with a density of 59 people per square mile.

What timezone is ZIP code 65081 in?

ZIP code 65081 observes the CST timezone.