Saint Joseph, MO · standard
ZIP Code 64501
Buchanan County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 12,503
- 1,337/sq mi High-density area
- $46,731
- Median income Below-median income area
- $98,600
- Median home value Below-median home value
- 17.2%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Saint Joseph pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a low-density, mixed-tenure area.
- 11th pct
- household income, US ZIPs
- 9th pct
- home value, US ZIPs
- 1,337
- people per sq mi
- 49%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64501 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 64501 (Saint Joseph, MO) rose +34.1% from 2023 to 2024. The all-transactions index moved from 178.3 in 2023 to 239.1 in 2024 (2000 = 100).
ZIP code 64501 is a mid-sized community (a standard USPS delivery area) in Saint Joseph, Buchanan County, Missouri, home to 12,503 residents across 9.4 square miles, a density of 1,337 people per square mile, in the Chicago time zone.
ZIP 64501 reports a modest median household income of $46,731 (30% below the average Missouri ZIP), while per-capita income is $24,600. The poverty rate is 24.1%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $98,600 (48% below the average Missouri ZIP), and median rent is $912; owner occupancy is 49.2%.
Educational attainment sits below the national norm: 17.2% of adults hold a bachelor's degree or higher, the median age is 35.8, and the average commute is 17 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Buchanan County, so 64501 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 64501
Top 5 sectors by establishment count in Saint Joseph, MO
Which industries have the most business establishments in ZIP 64501.
- Other services (except public administration)
Other services (except public administration)
43 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
38 establishments
- Construction
Construction
35 establishments
- Accommodation and food services
Accommodation and food services
30 establishments
- Health care and social assistance
Health care and social assistance
27 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 64501, Saint Joseph, 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
12,503
Population
9.4
Area (sq mi)
1,337
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 64501?
35.8
Median Age
53.2%
Male
46.8%
Female
8.3%
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?
$46,731
Median Household Income
-30% vs state ZIP avg
$24,600
Per Capita Income
24.1%
Poverty Rate
4.4%
Unemployment Rate
17.0 min
Mean Commute Time
How ZIP 64501 ranks among Missouri ZIPs
Saint Joseph, 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)
$46,731 16th percentile higher than 16% 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
5,576housing units
5,576
Total Housing Units
4,254
Occupied Units
1,322
Vacant Units
2.43
Avg Household Size
Occupancy Type
$98,600
Median Home Value
-48% vs state ZIP avg
$912
Median Rent
1941
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
+34.1%
YoY Change (2024)
239
HPI Index (2000 = 100)
+139%
Total Change Since 2000
Home values in ZIP 64501 have increased 34.1% over the past year (2024). Since 2000, this ZIP has seen +139% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +13.2% | 143 |
| 2021 | +0.4% | 144 |
| 2022 | +13.1% | 163 |
| 2023 | +9.6% | 178 |
| 2024 | +34.1% | 239 |
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 313 business establishments in ZIP 64501, employing approximately 4,002 people with a combined annual payroll of $263,883,000.
313
Businesses
4,002
Employees
$263.9M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 43 | 13.7% |
| Professional, scientific, and technical services | 38 | 12.1% |
| Construction | 35 | 11.2% |
| Accommodation and food services | 30 | 9.6% |
| Health care and social assistance | 27 | 8.6% |
| Retail trade | 23 | 7.3% |
| Manufacturing | 18 | 5.8% |
| Wholesale trade | 18 | 5.8% |
| Finance and insurance | 16 | 5.1% |
| Administrative and support and waste management and remediation services | 13 | 4.2% |
| Transportation and warehousing | 12 | 3.8% |
| Information | 9 | 2.9% |
| Real estate and rental and leasing | 9 | 2.9% |
| Educational services | 9 | 2.9% |
| Arts, entertainment, and recreation | 7 | 2.2% |
| Utilities | 3 | 1.0% |
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 64501 vs 64503 →
ZIP 64501 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 64506
Saint Joseph (64506)
24,030 residents
- 64507
Saint Joseph (64507)
13,738 residents
- 64505
Saint Joseph (64505)
13,161 residents
- 64503
Saint Joseph (64503)
12,921 residents
- 64501
Saint Joseph (64501)
12,503 residents
- 64504
Saint Joseph (64504)
10,763 residents
- 66090 2,520
Wathena (66090)
2,520 residents
- 64401 1,417
Agency (64401)
1,417 residents
- 64421 952
Amazonia (64421)
952 residents
What this shows Among its immediate neighbors, ZIP 64501 ranks #5 by population - useful context the national average alone can't give.
ZIP 64501 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 64401
Agency (64401)
$99,398 median income
- 66090
Wathena (66090)
$87,025 median income
- 64505
Saint Joseph (64505)
$73,298 median income
- 66024
Elwood (66024)
$68,125 median income
- 64506
Saint Joseph (64506)
$65,573 median income
- 64507
Saint Joseph (64507)
$61,158 median income
- 64504
Saint Joseph (64504)
$58,801 median income
- 64421
Amazonia (64421)
$53,125 median income
- 64503
Saint Joseph (64503)
$53,039 median income
What this shows By household income, ZIP 64501 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 64503 | Saint Joseph, MO | 12,921 | 1.1 mi |
| 66024 | Elwood, KS | 927 | 2.4 mi |
| 64506 | Saint Joseph, MO | 24,030 | 2.8 mi |
| 64505 | Saint Joseph, MO | 13,161 | 5.5 mi |
| 64507 | Saint Joseph, MO | 13,738 | 5.2 mi |
| 64504 | Saint Joseph, MO | 10,763 | 6.6 mi |
| 66090 | Wathena, KS | 2,520 | 7.0 mi |
| 64421 | Amazonia, MO | 952 | 11.2 mi |
| 64401 | Agency, MO | 1,417 | 11.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 64501, 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 (12,503 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Buchanan County
Related Areas
Frequently Asked Questions
What county is ZIP code 64501 in?
ZIP code 64501 (Saint Joseph) 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 64501?
ZIP code 64501 in Saint Joseph, MO has a population of 12,503 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64501?
The median household income in ZIP 64501 is $46,731, which is 39% below the national average of $76,288.
What is the average home value in ZIP 64501?
The median home value in ZIP 64501 is $98,600, which is 65% below the national average of $278,155.
What is the demographic makeup of ZIP 64501?
The largest racial group in ZIP 64501 is White at 69.7%. Hispanic or Latino residents make up 10.0% of the population.
How many businesses are in ZIP code 64501?
ZIP code 64501 has 313 business establishments employing approximately 4,002 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64501?
The top industries by establishment count in ZIP 64501 are: Other services (except public administration) (43), Professional, scientific, and technical services (38), Construction (35). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 64501?
According to the FHFA House Price Index, home values in ZIP 64501 increased by 34.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 139%. 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 64501?
In ZIP code 64501, 61.0% of residents aged 25+ have a high school diploma or higher, and 17.2% 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 64501?
The mean commute time for workers in ZIP code 64501 is 17.0 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 64501?
In ZIP code 64501, approximately 49.2% of occupied housing units are owner-occupied and 50.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64501?
The poverty rate in ZIP code 64501 is 24.1% 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 64501's numbers, next.
- See how ZIP 64501 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Saint Joseph, 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.