| ZIP Code | 64096 |
|---|---|
| City | Waverly |
| State | Missouri (MO) |
| County | Lafayette County |
| Area Code | 660 |
| Elevation | 771 ft |
| Latitude | 39.196804 |
|---|---|
| Longitude | -93.557939 |
| Timezone | Chicago (DST) |
| FIPS | 29107 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.3 yrs |
|---|---|
| Avg Household Size | 2.74 |
| Below Poverty | 6.5% ▼ 35% below avg |
| College Grads | 30.5% ▼ 21% below avg |
| Unemployment | 1.5% ▼ 70% below avg |
| No HS Diploma | 8 (1.1%) |
| HS Graduate | 386 (54%) |
| Some College | 40 (5.6%) |
| Associates | 63 (8.8%) |
| Bachelors | 44 (6.2%) |
| Graduate Degree | 174 (24.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $56,172 ▼ 26% below avg ↑ 9% since 2019 |
|---|---|
| Median Home Value | $117,100 ▼ 58% below avg ↑ 35% since 2019 |
| Home/Income Ratio | 2.1x (nat avg ~3.5x) |
| Median Rent | $819/mo ↑ 24% since 2019 |
| Total Units | 448 |
| Vacant Units | 35 |
| Avg HH Size | 2.74 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 448 |
|---|---|
| Vacant | 35 |
| Owner Occupied | 61.5% |
| Renter Occupied | 38.5% |
| Avg HH Size | 2.74 |
ZIP code 64096 is located in Waverly, Missouri, within Lafayette County. With a population of 1,197, this is a sparsely populated ZIP code with a middle-aged community — the median age is 39.3 years. Economically, 64096 is a solidly middle-class ZIP code: the median household income of $56,172 is below the national average.
Real estate in ZIP code 64096 represents one of the more affordable housing markets in the country. The median home value of $117,100 is well below the national average. Renters can expect to pay around $819 per month in median rent. Homeownership is strong here — 61.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 35% since 2019.
The population of 64096 is primarily White (81.62%). Residents are moderately educated — 30.5% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 6.5%. Household income has grown by 9% since 2019.
The unemployment rate in 64096 stands at 1.5%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 76%.
Overall, ZIP code 64096 in Waverly, MO is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 1,197 residents, a median household income of $56,172, and a median home value of $117,100, it offers a clear picture of life in this part of Missouri.