PlainZIP

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
$46,731
Median income
$98,600
Median home value
17.2%
Bachelor's or higher

The verdict

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.

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 Missouri average), while per-capita income is $24,600. The poverty rate stands at 24.1% and the unemployment rate at 4.4%. The typical home here is valued at $98,600 (48% below the state average); renters pay a median of $912 monthly, and 49.2% of units are owner-occupied.

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. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Buchanan County, so you can benchmark 64501 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 →

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.

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 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

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 64501?

35.8

Median Age

53.2%

Male

46.8%

Female

8.3%

Foreign-Born

White 69.7%
African American 12.1%
Asian 1.3%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.1%
Hispanic or Latino 10.0%

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?

$46,731

Median Household Income

-30% vs state

$24,600

Per Capita Income

24.1%

Poverty Rate

4.4%

Unemployment Rate

17.0 min

Mean Commute Time

How ZIP 64501 ranks nationally

Saint Joseph, MO household income vs. every US ZIP code

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

$46,731 11th percentile higher than 11% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 61.0%
Bachelor's Degree or Higher 17.2%

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

What does housing look like?

5,576

Total Housing Units

4,254

Occupied Units

1,322

Vacant Units

2.43

Avg Household Size

Occupancy Type

Owner 49.2%
Renter 50.8%

$98,600

Median Home Value

-48% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 64501 ranks #5 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 64501 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 64501 ranks #null 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
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

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
64504 standard
Saint Joseph, MO
Pop: 10,763
64401 standard
Agency, MO
Pop: 1,417

Related Areas

Buchanan County Saint Joseph, MO Missouri

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.

Read our methodology to see how this data is sourced, computed, and verified.