PlainZIP

Richmond, MO · standard

ZIP Code 64085

Ray County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

8,803
20/sq mi
$64,096
Median income
$171,400
Median home value
15.9%
Bachelor's or higher

The verdict

Richmond pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

37th pct
household income, US ZIPs
35th pct
home value, US ZIPs
20
people per sq mi
63%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64085 against every reporting US ZIP.

ZIP code 64085 is a mid-sized community (a standard USPS delivery area) in Richmond, Ray County, Missouri, home to 8,803 residents across 438.0 square miles, a density of 20 people per square mile, in the Chicago time zone.

ZIP 64085 reports a modest median household income of $64,096 (4% below the Missouri average), while per-capita income is $35,938. 14.8% of residents live below the poverty line, and the unemployment rate reads 2.7%. Housing costs here run $171,400 for a typical home value (10% below the state average), with rent averaging $733 a month; 63.1% of homes are owner-occupied.

Educational attainment sits below the national norm: 15.9% of adults hold a bachelor's degree or higher, the median age is 45.6, and the average commute is 34 minutes. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Ray County, letting you compare 64085 to its immediate surroundings rather than a national baseline alone.

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 64085

Top 5 sectors by establishment count in Richmond, MO

Which industries have the most business establishments in ZIP 64085.

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 64085, Richmond, 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

8,803

Population

438.0

Area (sq mi)

20

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 64085?

45.6

Median Age

52.0%

Male

48.0%

Female

1.9%

Foreign-Born

White 91.1%
African American 0.8%
Asian 0.4%
American Indian or Alaska Native 1.6%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.3%
Hispanic or Latino 3.7%

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?

$64,096

Median Household Income

-4% vs state

$35,938

Per Capita Income

14.8%

Poverty Rate

2.7%

Unemployment Rate

34.1 min

Mean Commute Time

How ZIP 64085 ranks nationally

Richmond, MO household income vs. every US ZIP code

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

$64,096 37th percentile higher than 37% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 57.7%
Bachelor's Degree or Higher 15.9%

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

What does housing look like?

3,832

Total Housing Units

3,505

Occupied Units

327

Vacant Units

2.20

Avg Household Size

Occupancy Type

Owner 63.1%
Renter 36.9%

$171,400

Median Home Value

-10% vs state

$733

Median Rent

1967

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

+4.6%

YoY Change (2024)

227

HPI Index (2000 = 100)

+127%

Total Change Since 2000

Home values in ZIP 64085 have increased 4.6% over the past year (2024). Since 2000, this ZIP has seen +127% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.6% 156
2021 +13.0% 176
2022 +11.2% 196
2023 +10.9% 217
2024 +4.6% 227

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 176 business establishments in ZIP 64085, employing approximately 1,843 people with a combined annual payroll of $71,423,000.

176

Businesses

1,843

Employees

$71.4M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 28 15.9%
Retail trade 26 14.8%
Other services (except public administration) 23 13.1%
Construction 21 11.9%
Accommodation and food services 16 9.1%
Professional, scientific, and technical services 15 8.5%
Finance and insurance 13 7.4%
Wholesale trade 7 4.0%
Transportation and warehousing 6 3.4%
Administrative and support and waste management and remediation services 6 3.4%
Manufacturing 4 2.3%
Information 3 1.7%
Arts, entertainment, and recreation 3 1.7%

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 64085 vs 64036 →

ZIP 64085 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 64085 ranks the most populous - useful context the national average alone can't give.

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

ZIP 64085 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 64085 ranks #4 of 5 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
64036 Henrietta, MO 389 9.4 mi
64084 Rayville, MO 1,556 7.2 mi
64035 Hardin, MO 971 7.8 mi
64017 Camden, MO 464 10.5 mi

More ZIP Codes in Ray County

64062 standard
Lawson, MO
Pop: 6,121
64077 standard
Orrick, MO
Pop: 1,940
64084 standard
Rayville, MO
Pop: 1,556
64035 standard
Hardin, MO
Pop: 971
64017 standard
Camden, MO
Pop: 464
64036 standard
Henrietta, MO
Pop: 389

Related Areas

Ray County Richmond, MO Missouri

Frequently Asked Questions

What county is ZIP code 64085 in? ▼
ZIP code 64085 (Richmond) is located in Ray County, Missouri. Ray County contains multiple ZIP codes, see the full list at /counties/ray-mo.
What is the population of ZIP code 64085? ▼
ZIP code 64085 in Richmond, MO has a population of 8,803 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64085? ▼
The median household income in ZIP 64085 is $64,096, which is 16% below the national average of $76,288.
What is the average home value in ZIP 64085? ▼
The median home value in ZIP 64085 is $171,400, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 64085? ▼
The largest racial group in ZIP 64085 is White at 91.1%. Hispanic or Latino residents make up 3.7% of the population.
How many businesses are in ZIP code 64085? ▼
ZIP code 64085 has 176 business establishments employing approximately 1,843 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64085? ▼
The top industries by establishment count in ZIP 64085 are: Health care and social assistance (28), Retail trade (26), Other services (except public administration) (23). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 64085? ▼
According to the FHFA House Price Index, home values in ZIP 64085 increased by 4.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 127%. 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 64085? ▼
In ZIP code 64085, 57.7% of residents aged 25+ have a high school diploma or higher, and 15.9% 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 64085? ▼
The mean commute time for workers in ZIP code 64085 is 34.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 64085? ▼
In ZIP code 64085, approximately 63.1% of occupied housing units are owner-occupied and 36.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64085? ▼
The poverty rate in ZIP code 64085 is 14.8% 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.