Concordia, MO · standard
ZIP Code 64020
Lafayette County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,608
- 13/sq mi Moderate-density area
- $59,269
- Median income Below-median income area
- $201,500
- Median home value Near-median home value
- 27.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Concordia pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 28th pct
- household income, US ZIPs
- 44th pct
- home value, US ZIPs
- 13
- people per sq mi
- 65%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64020 against every reporting US ZIP.
ZIP code 64020 covers 275.4 square miles in Concordia, Lafayette County, Missouri (a standard USPS delivery area), with a modest 3,608 residents on file, a density of 13 people per square mile, in the Chicago time zone.
ZIP 64020 reports a modest median household income of $59,269 (11% below the average Missouri ZIP), while per-capita income is $33,235. The poverty rate is 15.2%, with unemployment at 0.7%; those measures add context to the income figure. Median home value is $201,500 (5% above the average Missouri ZIP) and median rent is $823; 65.2% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 27.2% of adults hold a bachelor's degree or higher, the median age is 49, and the average commute is 19 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Lafayette County, so 64020 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 64020
Top 5 sectors by establishment count in Concordia, MO
Which industries have the most business establishments in ZIP 64020.
- Retail trade
Retail trade
13 establishments
- Other services (except public administration)
Other services (except public administration)
12 establishments
- Accommodation and food services
Accommodation and food services
9 establishments
- Manufacturing
Manufacturing
8 establishments
- Wholesale trade
Wholesale trade
8 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 64020, Concordia, MO · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
3,608
Population
275.4
Area (sq mi)
13
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 64020?
49.0
Median Age
50.1%
Male
49.9%
Female
0.3%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$59,269
Median Household Income
-11% vs state ZIP avg
$33,235
Per Capita Income
15.2%
Poverty Rate
0.7%
Unemployment Rate
18.5 min
Mean Commute Time
How ZIP 64020 ranks among Missouri ZIPs
Concordia, MO household income vs. every Missouri ZIP code
Median household income among 948 reporting Missouri ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$59,269 42nd percentile higher than 42% of 948 Missouri ZIPs
Each bar is a $20K-wide band; taller bars hold more Missouri ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,467housing units
1,467
Total Housing Units
1,246
Occupied Units
221
Vacant Units
2.29
Avg Household Size
Occupancy Type
$201,500
Median Home Value
+5% vs state ZIP avg
$823
Median Rent
1964
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+15.2%
YoY Change (2024)
266
HPI Index (2000 = 100)
+166%
Total Change Since 2000
Home values in ZIP 64020 have increased 15.2% over the past year (2024). Since 2000, this ZIP has seen +166% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2019 | +9.4% | 175 |
| 2020 | +4.9% | 184 |
| 2021 | +14.7% | 211 |
| 2022 | +15.2% | 242 |
| 2024 | – | 266 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 87 business establishments in ZIP 64020, employing approximately 1,286 people with a combined annual payroll of $55,172,000.
87
Businesses
1,286
Employees
$55.2M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 13 | 14.9% |
| Other services (except public administration) | 12 | 13.8% |
| Accommodation and food services | 9 | 10.3% |
| Manufacturing | 8 | 9.2% |
| Wholesale trade | 8 | 9.2% |
| Health care and social assistance | 8 | 9.2% |
| Construction | 5 | 5.8% |
| Transportation and warehousing | 5 | 5.8% |
| Finance and insurance | 4 | 4.6% |
| Professional, scientific, and technical services | 4 | 4.6% |
| Administrative and support and waste management and remediation services | 4 | 4.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 64020 vs 65327 →
ZIP 64020 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 64037
Higginsville (64037)
6,150 residents
- 64020
Concordia (64020)
3,608 residents
- 64001 656
Alma (64001)
656 residents
- 64021 633
Corder (64021)
633 residents
- 65321 417
Blackburn (65321)
417 residents
- 65327 227
Emma (65327)
227 residents
What this shows Among its immediate neighbors, ZIP 64020 ranks #2 by population - useful context the national average alone can't give.
ZIP 64020 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 64021
Corder (64021)
$97,188 median income
- 64037
Higginsville (64037)
$91,843 median income
- 65327
Emma (65327)
$88,750 median income
- 65321
Blackburn (65321)
$82,019 median income
- 64001
Alma (64001)
$68,000 median income
- 64020
Concordia (64020)
$59,269 median income
What this shows By household income, ZIP 64020 ranks #6 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 64020, both outside MO so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (3,608 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Lafayette County
Related Areas
Frequently Asked Questions
What county is ZIP code 64020 in?
ZIP code 64020 (Concordia) is located in Lafayette County, Missouri. Lafayette County contains multiple ZIP codes, see the full list at /counties/lafayette-mo.
What is the population of ZIP code 64020?
ZIP code 64020 in Concordia, MO has a population of 3,608 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64020?
The median household income in ZIP 64020 is $59,269, which is 22% below the national average of $76,288.
What is the average home value in ZIP 64020?
The median home value in ZIP 64020 is $201,500, which is 28% below the national average of $278,155.
What is the demographic makeup of ZIP 64020?
The largest racial group in ZIP 64020 is White at 95.9%. Hispanic or Latino residents make up 4.1% of the population.
How many businesses are in ZIP code 64020?
ZIP code 64020 has 87 business establishments employing approximately 1,286 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64020?
The top industries by establishment count in ZIP 64020 are: Retail trade (13), Other services (except public administration) (12), Accommodation and food services (9). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 64020?
According to the FHFA House Price Index, home values in ZIP 64020 increased by 15.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 166%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 64020?
In ZIP code 64020, 65.6% of residents aged 25+ have a high school diploma or higher, and 27.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 64020?
The mean commute time for workers in ZIP code 64020 is 18.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 64020?
In ZIP code 64020, approximately 65.2% of occupied housing units are owner-occupied and 34.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64020?
The poverty rate in ZIP code 64020 is 15.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 64020's numbers, next.
- See how ZIP 64020 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Concordia, MO ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.