64096 ZIP Code — Waverly, MO

Lafayette County, Missouri

ZIP code 64096 is located in Waverly, Missouri, within Lafayette County. It covers approximately 44.05 square miles and serves a population of 1,233 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 660.

About ZIP code 64096

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $106,300. Owner-occupancy sits near the national average at 67%.

Median household income is $57,426. 36% 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 26 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

1,233

population

44.05

sq mi land

Standard

ZIP type

Central (CT)

timezone

64096 ZIP code map

Cities in ZIP code 64096

Below are the cities the US Postal Service accepts for ZIP code 64096. Using any city not on this list may result in mail delivery delays.

City	Status
Waverly	Preferred

Nearby ZIP codes

64022 Dover (5.9 mi) 64001 Alma (7.1 mi) 64021 Corder (7.9 mi) 65339 Malta Bend (9.7 mi) 64633 Carrollton (10.7 mi) 64668 Norborne (10.9 mi) 65321 Blackburn (12.5 mi) 64037 Higginsville (12.9 mi) 64067 Lexington (15.2 mi) 64035 Hardin (16.2 mi) 64020 Concordia (18 mi) 64639 De Witt (18.3 mi)

Demographics updated 05/2026

Population
Total population	1,233
Population density	28 / sq mi
State FIPS	29
County FIPS	107

Geography
Land area	44.05 sq mi
Water area	1.87 sq mi
Latitude	39.2178
Longitude	-93.5698
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	50.9%	41.0%	43.8%
$50k – $100k	28.7%	32.0%	31.5%
$100k – $200k	18.9%	22.6%	19.5%
Over $200k	1.5%	4.5%	5.2%

Demographics & statistics

1,233

Population

People per sq mi

36.6

Median age

$57,426

Median household income

$27,479

Per capita income

$106,300

Median home value

$790

Median monthly rent

67.1%

Home ownership

7.6%

Poverty rate

1.7%

Unemployment

351

Housing units

22.6%

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	330	26.8%
18 and over	903	73.2%
65 and over	190	15.4%
Median age	36.6 years

Race & ethnicity

White 78%

Hispanic or Latino 9.5%

Two or more races 6.8%

Other race 3.8%

Black or African American 1.8%

American Indian / Alaska Native 0.1%

Group	Count	%
White	1,062	78%
Hispanic or Latino	129	9.5%
Two or more races	92	6.8%
Other race	52	3.8%
Black or African American	25	1.8%
American Indian / Alaska Native	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.9%	41.0%	43.8%
$50k – $100k	28.7%	32.0%	31.5%
$100k – $200k	18.9%	22.6%	19.5%
Over $200k	1.5%	4.5%	5.2%

Under $10k 4.0%

$10k–$15k 1.9%

$15k–$25k 7.6%

$25k–$35k 5.9%

$35k–$50k 22.5%

$50k–$75k 20.1%

$75k–$100k 11.1%

$100k–$150k 17.5%

$150k–$200k 9.0%

$200k+ 0.5%

Range	% of households
Under $10k	4.0%
$10k–$15k	1.9%
$15k–$25k	7.6%
$25k–$35k	5.9%
$35k–$50k	22.5%
$50k–$75k	20.1%
$75k–$100k	11.1%
$100k–$150k	17.5%
$150k–$200k	9.0%
$200k+	0.5%
Median income	$57,426

Housing

Home values

Under $50k 11.6%

$50k–$100k 34.5%

$100k–$150k 20.4%

$150k–$200k 1.4%

$200k–$300k 16.2%

$300k–$500k 15.1%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$106,300
Median rent / month	$790
Owner occupied	67.1%
Renter occupied	32.9%
Vacant	13.7%
Single-family detached	83.7%
Large apartment buildings	1.0%
Mobile homes	11.2%
Median rooms	6.2
Avg household size (owned)	2.65

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	9.4%
1990–1999	15.5%
1980–1989	6.7%
1970–1979	24.3%
1960–1969	11.8%
1950–1959	10.2%
1940–1949	10.4%
1939 or earlier	11.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	3.7%
2 bedrooms	29.4%
3 bedrooms	51.8%
4 bedrooms	9.8%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.3%
1 vehicle	26.5%
2 vehicles	38.1%
3 or more	31.2%

Heating fuel

Fuel type	%
Utility gas	60.8%
Electricity	28.8%
Propane / LP gas	4.5%
Wood	5.9%

Households & families

Household type	Count	%
Married-couple family	260	61.5%
Cohabiting couple	27	6.4%
Male householder, no spouse	43	10.2%
Female householder, no spouse	93	22.0%
Households with children under 18	153	36.2%
Households with seniors (65+)	123	29.1%
Average household size	2.76

Marital status

Status	Male	Female
Never married	32.1%	16.6%
Married	54.4%	54.3%
Separated	0.0%	1.3%
Widowed	4.7%	8.5%
Divorced	8.7%	19.3%

Education

Less than 9th grade 2.5%

Some HS, no diploma 5.5%

HS graduate 48.6%

Some college, no degree 14.4%

Associate's degree 6.6%

Bachelor's degree 16.2%

Graduate / professional 6.3%

Metric	%
HS diploma or higher	92.1%
Bachelor's or higher	22.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	25	7.6%
Kindergarten	7	2.1%
Elementary school	163	49.5%
High school	89	27.1%
College / grad school	45	13.7%

Employment

Industry of employment

Education & healthcare 30.1%

Transportation & utilities 10.7%

Manufacturing 8.6%

Agriculture & mining 8.2%

Construction 8.1%

Finance & real estate 7.0%

Professional & management 6.9%

Retail trade 6.5%

Other services 6.0%

Public administration 2.9%

Wholesale trade 2.1%

Information 2.1%

Arts, food & hospitality 0.9%

Occupation

Category	%
Management, business & arts	36.9%
Service	15.1%
Sales & office	15.5%
Natural resources & construction	18.2%
Production & transportation	14.3%

Employment type

Type	%
Private sector	77.8%
Government	12.0%
Self-employed	9.3%
Unpaid family workers	0.9%

Commute

Method	%
Drive alone	75.0%
Carpool	14.7%
Public transit	0.0%
Walk	0.5%
Work from home	5.0%
Other means	4.8%
Avg commute (minutes)	26.1

Poverty

All people 7.6%

Under 18 years 10.3%

18 and over 6.7%

Married-couple families 1.9%

Female-led households 28.9%

Income support

Source	% of households
Social Security	36.4%
Retirement income	18.7%
Supplemental Security	7.8%
Cash public assistance	1.9%
Food stamps / SNAP	11.3%

Health indicators

Condition	%
Obesity	40.9%
High blood pressure	34.8%
High cholesterol	36.8%
Diabetes	12.1%
Heart disease	8.3%
Stroke	3.8%
Asthma	9.5%
Arthritis	30.1%
Kidney disease	3.3%
Pulmonary disease	9.7%
Cancer	7.5%

Behavior / access	%
Smoking	22.9%
Binge drinking	16.1%
No physical activity	32.3%
Less than 7 hrs sleep	33.4%
Depression	23.1%
Fair or poor health	18.7%
Poor mental health	15.3%
Poor physical health	13.2%
No health insurance	17.7%
Visited doctor (checkup)	73.3%
Visited dentist	54.3%
Cholesterol screening	88.3%
Teeth loss	21.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	62	6.9%

Disability	%
Any disability	13.5%
Under 18	0.0%
18–64 years	12.3%
65 and over	44.7%

Health insurance coverage

Type	%
Private insurance	67.1%
Public insurance	33.7%
No insurance	11.3%
Uninsured under 19	3.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,152	93.4%
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)	1,202	97.5%
Born in same state	1,201	97.4%
Born in different state	1,040	84.3%
Foreign born	1	0.1%
Naturalized citizen	31	2.5%
Not a US citizen	31	100.0%

Ancestry

Ancestry	Count	%
Arab	130	10.5%
French	102	8.3%
Italian	74	6%

Ancestry	Count	%
English	25	2%
Polish	1	0.1%

Technology access

Metric	% of households
Computer access	34.3%
Internet access	92.9%

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

Frequently asked questions about ZIP code 64096

What city is ZIP code 64096 in?

ZIP code 64096 is primarily assigned to Waverly, Missouri.

What county is ZIP code 64096 in?

ZIP code 64096 falls within Lafayette County, Missouri.

Does ZIP code 64096 have a large retiree population?

36% of households in ZIP code 64096 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 64096?

The median home value in ZIP code 64096 is $106,300.

What is the population of ZIP code 64096?

ZIP code 64096 has an estimated population of 1,233 residents, with a density of 28 people per square mile.

What is the median household income in ZIP code 64096?

The median household income in ZIP code 64096 is $57,426, below the national median of ~$75,000.

What timezone is ZIP code 64096 in?

ZIP code 64096 observes the CST timezone.