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 Moderate-density area
- $64,096
- Median income Near-median income area
- $171,400
- Median home value Near-median home value
- 15.9%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 64085 (Richmond, MO) rose +4.6% from 2023 to 2024. The all-transactions index moved from 217.0 in 2023 to 227.0 in 2024 (2000 = 100).
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 average Missouri ZIP), while per-capita income is $35,938. The poverty rate is 14.8%, with unemployment at 2.7%; those measures add context to the income figure. Median home value is $171,400 (10% below the average Missouri ZIP) and median rent is $733; 63.1% of occupied 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. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Ray County, so 64085 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 64085
Top 5 sectors by establishment count in Richmond, MO
Which industries have the most business establishments in ZIP 64085.
- Health care and social assistance
Health care and social assistance
28 establishments
- Retail trade
Retail trade
26 establishments
- Other services (except public administration)
Other services (except public administration)
23 establishments
- Construction
Construction
21 establishments
- Accommodation and food services
Accommodation and food services
16 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 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
Who lives in ZIP 64085?
45.6
Median Age
52.0%
Male
48.0%
Female
1.9%
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?
$64,096
Median Household Income
-4% vs state ZIP avg
$35,938
Per Capita Income
14.8%
Poverty Rate
2.7%
Unemployment Rate
34.1 min
Mean Commute Time
How ZIP 64085 ranks among Missouri ZIPs
Richmond, 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)
$64,096 Top 45% higher than 55% 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
3,832housing units
3,832
Total Housing Units
3,505
Occupied Units
327
Vacant Units
2.20
Avg Household Size
Occupancy Type
$171,400
Median Home Value
-10% vs state ZIP avg
$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.
- 64085
Richmond (64085)
8,803 residents
- 64084 1,556
Rayville (64084)
1,556 residents
- 64035 971
Hardin (64035)
971 residents
- 64017 464
Camden (64017)
464 residents
- 64036 389
Henrietta (64036)
389 residents
What this shows Among its immediate neighbors, ZIP 64085 ranks the most populous - useful context the national average alone can't give.
ZIP 64085 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 64035
Hardin (64035)
$86,756 median income
- 64017
Camden (64017)
$68,239 median income
- 64084
Rayville (64084)
$65,060 median income
- 64085
Richmond (64085)
$64,096 median income
- 64036
Henrietta (64036)
$46,786 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 64085, 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 (8,803 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Ray County
Related Areas
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.
Related
Take this with you
What to do with ZIP 64085's numbers, next.
- See how ZIP 64085 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Richmond, 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.