| ZIP Code | 64505 |
|---|---|
| City | Saint Joseph |
| State | Missouri (MO) |
| County | Buchanan County |
| Area Code | 816/975 |
| Elevation | 1,073 ft |
| Latitude | 39.846744 |
|---|---|
| Longitude | -94.823879 |
| Timezone | Chicago (DST) |
| FIPS | 29021 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.3 yrs ↑ 4% since 2019 |
|---|---|
| Avg Household Size | 2.62 |
| Below Poverty | 11.4% ▲ 14% above avg |
| College Grads | 35.9% ≈ Avg |
| Unemployment | 3.2% ▼ 35% below avg |
| HS Graduate | 3,217 (36.1%) |
| Some College | 1,193 (13.4%) |
| Associates | 1,310 (14.7%) |
| Bachelors | 651 (7.3%) |
| Graduate Degree | 2,546 (28.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $70,741 ≈ Avg ↑ 31% since 2019 |
|---|---|
| Median Home Value | $186,000 ▼ 33% below avg ↑ 38% since 2019 |
| Home/Income Ratio | 2.6x (nat avg ~3.5x) |
| Median Rent | $976/mo ↑ 23% since 2019 |
| Total Units | 5,836 |
| Vacant Units | 583 |
| Avg HH Size | 2.62 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 5,836 |
|---|---|
| Vacant | 583 |
| Owner Occupied | 71.4% |
| Renter Occupied | 28.6% |
| Avg HH Size | 2.62 |
ZIP code 64505 is located in Saint Joseph, Missouri, within Buchanan County. With a population of 13,875, this is a lightly populated ZIP code with a middle-aged community — the median age is 41.3 years. Economically, 64505 is a solidly middle-class ZIP code: the median household income of $70,741 is near the national average.
Real estate in ZIP code 64505 represents an affordable housing market. The median home value of $186,000 is below the national average. Renters can expect to pay around $976 per month in median rent. Homeownership is strong here — 71.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 38% since 2019.
The population of 64505 is primarily White (81.08%). Residents are moderately educated — 35.9% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 11.4%. Household income has grown by 31% since 2019.
The unemployment rate in 64505 stands at 3.2%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 82%.
Overall, ZIP code 64505 in Saint Joseph, MO is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 13,875 residents, a median household income of $70,741, and a median home value of $186,000, it offers a clear picture of life in this part of Missouri.