| ZIP Code | 64020 |
|---|---|
| City | Concordia |
| State | Missouri (MO) |
| County | Lafayette County |
| Area Code | 660 |
| Elevation | 738 ft |
| Latitude | 38.967425 |
|---|---|
| Longitude | -93.599784 |
| Timezone | Chicago (DST) |
| FIPS | 29107 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 50.3 yrs ↑ 15% since 2019 |
|---|---|
| Avg Household Size | 2.31 |
| Below Poverty | 16.6% ▲ 66% above avg |
| College Grads | 33.9% ▼ 12% below avg |
| Unemployment | 0.5% ▼ 90% below avg |
| No HS Diploma | 18 (0.9%) |
| HS Graduate | 774 (36.9%) |
| Some College | 244 (11.6%) |
| Associates | 348 (16.6%) |
| Bachelors | 198 (9.5%) |
| Graduate Degree | 513 (24.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $61,250 ▼ 20% below avg ↓ 3% since 2019 |
|---|---|
| Median Home Value | $182,200 ▼ 35% below avg ↑ 45% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $737/mo ↑ 19% since 2019 |
| Total Units | 1,469 |
| Vacant Units | 250 |
| Avg HH Size | 2.31 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,469 |
|---|---|
| Vacant | 250 |
| Owner Occupied | 65.2% |
| Renter Occupied | 34.8% |
| Avg HH Size | 2.31 |
ZIP code 64020 is located in Concordia, Missouri, within Lafayette County. With a population of 2,928, this is a sparsely populated ZIP code with a mature community — the median age is 50.3 years. Economically, 64020 is a solidly middle-class ZIP code: the median household income of $61,250 is below the national average.
Real estate in ZIP code 64020 represents an affordable housing market. The median home value of $182,200 is below the national average. Renters can expect to pay around $737 per month in median rent. Homeownership is strong here — 65.2% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 45% since 2019.
The population of 64020 is primarily White (93.48%). Residents are moderately educated — 33.9% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 16.6%. Household income has declined by 3% since 2019.
The unemployment rate in 64020 stands at 0.5%, which is well below the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 70%.
Overall, ZIP code 64020 in Concordia, MO is characterized as solidly middle-class, moderately educated, a mature community, and predominantly owner-occupied. With 2,928 residents, a median household income of $61,250, and a median home value of $182,200, it offers a clear picture of life in this part of Missouri.