| ZIP Code | 65109 |
|---|---|
| City | Jefferson City |
| State | Missouri (MO) |
| County | Cole County |
| Area Code | 235/573 |
| Elevation | 796 ft |
| Latitude | 38.573482 |
|---|---|
| Longitude | -92.276821 |
| Timezone | Chicago (DST) |
| FIPS | 29051 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.7 yrs ↑ 5% since 2019 |
|---|---|
| Avg Household Size | 2.32 |
| Below Poverty | 8.6% ▼ 14% below avg |
| College Grads | 52.2% ▲ 35% above avg |
| Unemployment | 3.1% ▼ 37% below avg |
| No HS Diploma | 189 (0.7%) |
| HS Graduate | 6,207 (23.1%) |
| Some College | 2,912 (10.9%) |
| Associates | 3,527 (13.1%) |
| Bachelors | 1,981 (7.4%) |
| Graduate Degree | 12,014 (44.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $72,430 ≈ Avg ↑ 17% since 2019 |
|---|---|
| Median Home Value | $204,700 ▼ 27% below avg ↑ 27% since 2019 |
| Home/Income Ratio | 2.8x (nat avg ~3.5x) |
| Median Rent | $828/mo ↑ 24% since 2019 |
| Total Units | 18,264 |
| Vacant Units | 1,095 |
| Avg HH Size | 2.32 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 18,264 |
|---|---|
| Vacant | 1,095 |
| Owner Occupied | 64.8% |
| Renter Occupied | 35.2% |
| Avg HH Size | 2.32 |
ZIP code 65109 is located in Jefferson City, Missouri, within Cole County. With a population of 40,390, this is a highly populated ZIP code with a middle-aged community — the median age is 40.7 years. Economically, 65109 is a solidly middle-class ZIP code: the median household income of $72,430 is near the national average.
Real estate in ZIP code 65109 represents an affordable housing market. The median home value of $204,700 is below the national average. Renters can expect to pay around $828 per month in median rent. Homeownership is strong here — 64.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 27% since 2019.
The population of 65109 is primarily White (82.31%). Residents are well-educated — 52.2% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 8.6%. Household income has grown by 17% since 2019.
The unemployment rate in 65109 stands at 3.1%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 80%.
Overall, ZIP code 65109 in Jefferson City, MO is characterized as solidly middle-class, well-educated, a middle-aged community, and predominantly owner-occupied. With 40,390 residents, a median household income of $72,430, and a median home value of $204,700, it offers a clear picture of life in this part of Missouri.