PlainZIP

Smithville, MO · standard

ZIP Code 64089

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

11,470
69/sq mi
$101,009
Median income
$327,200
Median home value
34.3%
Bachelor's or higher

The verdict

Smithville pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 18%
household income, US ZIPs
Top 30%
home value, US ZIPs
69
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64089 against every reporting US ZIP.

ZIP code 64089 is a mid-sized community (a standard USPS delivery area) in Smithville, Clay County, Missouri, home to 11,470 residents across 165.8 square miles, a density of 69 people per square mile, in the Chicago time zone.

ZIP 64089 lands in the middle-income range, with a median household income of $101,009 (51% above the Missouri average), while per-capita income is $46,763. The poverty rate stands at 4.5% and the unemployment rate at 0.8%. The typical home here is valued at $327,200 (71% above the state average); renters pay a median of $1,294 monthly, and 83.1% of units are owner-occupied.

A solid share of residents have a four-year degree: 34.3% of adults hold a bachelor's degree or higher, the median age is 39.8, and the average commute is 28 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 64089, plus 6 more within Clay County, give a clearer read than the national average 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 64089

Top 5 sectors by establishment count in Smithville, MO

Which industries have the most business establishments in ZIP 64089.

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 64089, Smithville, 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

11,470

Population

165.8

Area (sq mi)

69

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 64089?

39.8

Median Age

48.7%

Male

51.3%

Female

0.3%

Foreign-Born

White 95.8%
African American 0.4%
Asian 0.2%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.6%
Hispanic or Latino 2.0%

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?

$101,009

Median Household Income

+51% vs state

$46,763

Per Capita Income

4.5%

Poverty Rate

0.8%

Unemployment Rate

28.4 min

Mean Commute Time

How ZIP 64089 ranks nationally

Smithville, MO household income vs. every US ZIP code

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

$101,009 Top 18% higher than 82% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 61.0%
Bachelor's Degree or Higher 34.3%

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

What does housing look like?

5,648

Total Housing Units

5,536

Occupied Units

112

Vacant Units

2.59

Avg Household Size

Occupancy Type

Owner 83.1%
Renter 16.9%

$327,200

Median Home Value

+71% vs state

$1,294

Median Rent

1995

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

+12.1%

YoY Change (2024)

243

HPI Index (2000 = 100)

+143%

Total Change Since 2000

Home values in ZIP 64089 have increased 12.1% over the past year (2024). Since 2000, this ZIP has seen +143% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.8% 162
2021 +12.9% 183
2022 +13.6% 208
2023 +4.5% 217
2024 +12.1% 243

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 287 business establishments in ZIP 64089, employing approximately 2,318 people with a combined annual payroll of $101,164,000.

287

Businesses

2,318

Employees

$101.2M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 37 12.9%
Other services (except public administration) 35 12.2%
Professional, scientific, and technical services 33 11.5%
Construction 32 11.2%
Health care and social assistance 25 8.7%
Finance and insurance 22 7.7%
Accommodation and food services 22 7.7%
Real estate and rental and leasing 20 7.0%
Administrative and support and waste management and remediation services 18 6.3%
Transportation and warehousing 16 5.6%
Wholesale trade 8 2.8%
Manufacturing 6 2.1%
Educational services 5 1.7%
Information 4 1.4%
Arts, entertainment, and recreation 3 1.1%

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 64089 vs 64165 →

ZIP 64089 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 64089 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 64089 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 64089 ranks #5 of 9 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
64165 Kansas City, MO 112 4.9 mi
64166 Kansas City, MO 278 5.3 mi
64492 Trimble, MO 1,782 6.2 mi
64155 Kansas City, MO 21,901 8.0 mi
64164 Kansas City, MO 302 5.6 mi
64156 Kansas City, MO 5,404 8.1 mi
64167 Kansas City, MO 353 6.7 mi
64444 Edgerton, MO 1,340 7.6 mi
64154 Kansas City, MO 9,257 8.7 mi
64163 Kansas City, MO 689 7.9 mi

More ZIP Codes in Clay County

64118 standard
Kansas City, MO
Pop: 40,191
64068 standard
Liberty, MO
Pop: 36,280
64119 standard
Kansas City, MO
Pop: 27,341
64155 standard
Kansas City, MO
Pop: 21,901
64024 standard
Excelsior Springs, MO
Pop: 16,230
64157 standard
Kansas City, MO
Pop: 16,122

Related Areas

Clay County Smithville, MO Missouri

Frequently Asked Questions

What county is ZIP code 64089 in? ▼
ZIP code 64089 (Smithville) is located in Clay County, Missouri. Clay County contains multiple ZIP codes, see the full list at /counties/clay-mo.
What is the population of ZIP code 64089? ▼
ZIP code 64089 in Smithville, MO has a population of 11,470 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64089? ▼
The median household income in ZIP 64089 is $101,009, which is 32% above the national average of $76,288.
What is the average home value in ZIP 64089? ▼
The median home value in ZIP 64089 is $327,200, which is 18% above the national average of $278,155.
What is the demographic makeup of ZIP 64089? ▼
The largest racial group in ZIP 64089 is White at 95.8%. Hispanic or Latino residents make up 2.0% of the population.
How many businesses are in ZIP code 64089? ▼
ZIP code 64089 has 287 business establishments employing approximately 2,318 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64089? ▼
The top industries by establishment count in ZIP 64089 are: Retail trade (37), Other services (except public administration) (35), Professional, scientific, and technical services (33). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 64089? ▼
According to the FHFA House Price Index, home values in ZIP 64089 increased by 12.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 143%. 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 64089? ▼
In ZIP code 64089, 61.0% of residents aged 25+ have a high school diploma or higher, and 34.3% 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 64089? ▼
The mean commute time for workers in ZIP code 64089 is 28.4 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 64089? ▼
In ZIP code 64089, approximately 83.1% of occupied housing units are owner-occupied and 16.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64089? ▼
The poverty rate in ZIP code 64089 is 4.5% 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.