PlainZIP

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
$59,269
Median income
$201,500
Median home value
27.2%
Bachelor's or higher

The verdict

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 Missouri average), while per-capita income is $33,235. 15.2% of residents live below the poverty line, and the unemployment rate reads 0.7%. On housing, the median home value is $201,500 (5% above the state average) with median rent at $823 per month, and 65.2% of occupied units 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. To put 64020 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Lafayette County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 64020?

49.0

Median Age

50.1%

Male

49.9%

Female

0.3%

Foreign-Born

White 95.9%
African American 0.4%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.9%
Hispanic or Latino 4.1%

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

$33,235

Per Capita Income

15.2%

Poverty Rate

0.7%

Unemployment Rate

18.5 min

Mean Commute Time

How ZIP 64020 ranks nationally

Concordia, MO household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$59,269 28th percentile higher than 28% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 65.6%
Bachelor's Degree or Higher 27.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,467

Total Housing Units

1,246

Occupied Units

221

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 65.2%
Renter 34.8%

$201,500

Median Home Value

+5% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 64020 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 64020 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
65327 Emma, MO 227 5.2 mi
64021 Corder, MO 633 9.9 mi
64001 Alma, MO 656 10.0 mi
64037 Higginsville, MO 6,150 9.9 mi
65321 Blackburn, MO 417 10.9 mi

More ZIP Codes in Lafayette County

64076 standard
Odessa, MO
Pop: 9,512
64037 standard
Higginsville, MO
Pop: 6,150
64067 standard
Lexington, MO
Pop: 5,789
64011 standard
Bates City, MO
Pop: 3,106
64097 standard
Wellington, MO
Pop: 1,410
64096 standard
Waverly, MO
Pop: 1,171

Related Areas

Lafayette County Concordia, MO Missouri

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.

Read our methodology to see how this data is sourced, computed, and verified.