PlainZIP

Agency, MO · standard

ZIP Code 64401

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

1,417
15/sq mi
$99,398
Median income
$271,900
Median home value
27.1%
Bachelor's or higher

The verdict

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

Top 19%
household income, US ZIPs
Top 38%
home value, US ZIPs
15
people per sq mi
98%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64401 against every reporting US ZIP.

ZIP code 64401 is a sparsely populated ZIP (a standard USPS delivery area) in Agency, Buchanan County, Missouri, home to just 1,417 residents across 97.1 square miles, a density of 15 people per square mile, in the Chicago time zone.

ZIP 64401 lands in the middle-income range, with a median household income of $99,398 (49% above the Missouri average), while per-capita income is $41,975. The poverty rate stands at 1.5% and the unemployment rate at 1.6%. Housing costs here run $271,900 for a typical home value (42% above the state average), with rent averaging $1,031 a month; 98.0% of homes are owner-occupied.

Educational attainment sits below the national norm: 27.1% of adults hold a bachelor's degree or higher, the median age is 40.4, and the average commute is -. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Buchanan County, so you can benchmark 64401 against its immediate geography rather than a 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 →

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 64401, Agency, 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

1,417

Population

97.1

Area (sq mi)

15

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 64401?

40.4

Median Age

56.2%

Male

43.8%

Female

5.5%

Foreign-Born

White 91.0%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.5%
Hispanic or Latino 7.8%

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?

$99,398

Median Household Income

+49% vs state

$41,975

Per Capita Income

1.5%

Poverty Rate

1.6%

Unemployment Rate

How ZIP 64401 ranks nationally

Agency, MO household income vs. every US ZIP code

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

$99,398 Top 19% higher than 81% 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%). This entry sits in this band. $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 61.4%
Bachelor's Degree or Higher 27.1%

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

What does housing look like?

689

Total Housing Units

650

Occupied Units

39

Vacant Units

2.70

Avg Household Size

Occupancy Type

Owner 98.0%
Renter 2.0%

$271,900

Median Home Value

+42% vs state

$1,031

Median Rent

1989

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

+9.0%

YoY Change (2024)

251

HPI Index (2000 = 100)

+151%

Total Change Since 2000

Home values in ZIP 64401 have increased 9.0% over the past year (2024). Since 2000, this ZIP has seen +151% cumulative appreciation.

Year Annual Change HPI Index
2019 +5.2% 165
2020 +7.0% 177
2021 +6.5% 189
2022 +9.0% 206
2024 – 251

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 15 business establishments in ZIP 64401, employing approximately 46 people with a combined annual payroll of $1,975,000.

15

Businesses

46

Employees

$2.0M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Construction 7 46.7%

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 64401 vs 64448 →

ZIP 64401 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 64401 ranks #6 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 64401 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 64401 ranks the highest 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
64448 Faucett, MO 1,104 5.9 mi
64507 Saint Joseph, MO 13,738 7.0 mi
64439 Dearborn, MO 1,642 7.8 mi
64454 Gower, MO 2,667 6.8 mi
64443 Easton, MO 1,096 8.6 mi
64444 Edgerton, MO 1,340 11.1 mi
64503 Saint Joseph, MO 12,921 10.4 mi
64501 Saint Joseph, MO 12,503 11.4 mi

More ZIP Codes in Buchanan County

64506 standard
Saint Joseph, MO
Pop: 24,030
64507 standard
Saint Joseph, MO
Pop: 13,738
64505 standard
Saint Joseph, MO
Pop: 13,161
64503 standard
Saint Joseph, MO
Pop: 12,921
64501 standard
Saint Joseph, MO
Pop: 12,503
64504 standard
Saint Joseph, MO
Pop: 10,763

Related Areas

Buchanan County Agency, MO Missouri

Frequently Asked Questions

What county is ZIP code 64401 in? ▼
ZIP code 64401 (Agency) is located in Buchanan County, Missouri. Buchanan County contains multiple ZIP codes, see the full list at /counties/buchanan-mo.
What is the population of ZIP code 64401? ▼
ZIP code 64401 in Agency, MO has a population of 1,417 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64401? ▼
The median household income in ZIP 64401 is $99,398, which is 30% above the national average of $76,288.
What is the average home value in ZIP 64401? ▼
The median home value in ZIP 64401 is $271,900, which is 2% below the national average of $278,155.
What is the demographic makeup of ZIP 64401? ▼
The largest racial group in ZIP 64401 is White at 91.0%. Hispanic or Latino residents make up 7.8% of the population.
How many businesses are in ZIP code 64401? ▼
ZIP code 64401 has 15 business establishments employing approximately 46 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 64401? ▼
According to the FHFA House Price Index, home values in ZIP 64401 increased by 9.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 151%. 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 64401? ▼
In ZIP code 64401, 61.4% of residents aged 25+ have a high school diploma or higher, and 27.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 64401? ▼
In ZIP code 64401, approximately 98.0% of occupied housing units are owner-occupied and 2.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64401? ▼
The poverty rate in ZIP code 64401 is 1.5% 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.