| ZIP Code | 64504 |
|---|---|
| City | Saint Joseph |
| State | Missouri (MO) |
| County | Buchanan County |
| Area Code | 816/975 |
| Elevation | 808 ft |
| Latitude | 39.691247 |
|---|---|
| Longitude | -94.905924 |
| Timezone | Chicago (DST) |
| FIPS | 29021 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.7 yrs ↑ 14% since 2019 |
|---|---|
| Avg Household Size | 2.59 |
| Below Poverty | 22.3% ▲ 123% above avg |
| College Grads | 21.5% ▼ 44% below avg |
| Unemployment | 5.5% ▲ 12% above avg |
| No HS Diploma | 86 (1.4%) |
| HS Graduate | 2,870 (46.2%) |
| Some College | 1,157 (18.6%) |
| Associates | 765 (12.3%) |
| Bachelors | 392 (6.3%) |
| Graduate Degree | 947 (15.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $55,300 ▼ 28% below avg ↑ 6% since 2019 |
|---|---|
| Median Home Value | $115,100 ▼ 59% below avg ↑ 35% since 2019 |
| Home/Income Ratio | 2.1x (nat avg ~3.5x) |
| Median Rent | $918/mo ↑ 16% since 2019 |
| Total Units | 4,431 |
| Vacant Units | 469 |
| Avg HH Size | 2.59 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 4,431 |
|---|---|
| Vacant | 469 |
| Owner Occupied | 70.6% |
| Renter Occupied | 29.4% |
| Avg HH Size | 2.59 |
ZIP code 64504 is located in Saint Joseph, Missouri, within Buchanan County. With a population of 10,286, this is a lightly populated ZIP code with a middle-aged community — the median age is 41.7 years. Economically, 64504 is a solidly middle-class ZIP code: the median household income of $55,300 is below the national average.
Real estate in ZIP code 64504 represents one of the more affordable housing markets in the country. The median home value of $115,100 is well below the national average. Renters can expect to pay around $918 per month in median rent. Homeownership is strong here — 70.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 35% since 2019.
The population of 64504 is primarily White (83.19%). Residents are less-educated — 21.5% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 22.3%. Household income has grown by 6% since 2019.
The unemployment rate in 64504 stands at 5.5%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 83%.
Overall, ZIP code 64504 in Saint Joseph, MO is characterized as solidly middle-class, less-educated, a middle-aged community, and predominantly owner-occupied. With 10,286 residents, a median household income of $55,300, and a median home value of $115,100, it offers a clear picture of life in this part of Missouri.