ZIP 65109 vs ZIP 65101

This side-by-side compares ZIP 65109 (Jefferson City, MO) and ZIP 65101 (Jefferson City, MO) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 65109 has a population of 38,090 at 179 people per square mile, while ZIP 65101 has 30,587 at 89 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 65109 reports a median household income of $74,694 against $74,807 in ZIP 65101, with per-capita income of $41,141 vs $35,440. The share of adults holding a bachelor's degree or higher is 45.3% in 65109 and 33.1% in 65101. Poverty rate reads 8.5% vs 10.7%, and unemployment 2.9% vs 3.5% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $221,600 in 65109 versus $243,600 in 65101, with median rent of $861 and $791 per month respectively. Homeownership rate is 66.7% vs 64.9%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.