PlainZIP

Saint Joseph, MO · standard

ZIP Code 64503

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

12,921
330/sq mi
$53,039
Median income
$140,500
Median home value
15.6%
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, homeowner-dominated area.

18th pct
household income, US ZIPs
23th pct
home value, US ZIPs
330
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64503 against every reporting US ZIP.

ZIP code 64503 is a mid-sized community (a standard USPS delivery area) in Saint Joseph, Buchanan County, Missouri, home to 12,921 residents across 39.1 square miles, a density of 330 people per square mile, in the Chicago time zone.

ZIP 64503 reports a modest median household income of $53,039 (21% below the Missouri average), while per-capita income is $31,151. The poverty rate stands at 17.7% and the unemployment rate at 4.2%. On housing, the median home value is $140,500 (26% below the state average) with median rent at $886 per month, and 68.7% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 15.6% of adults hold a bachelor's degree or higher, the median age is 40.4, and the average commute is 17 minutes. A geography-based comparison follows: 9 ZIP codes within about 10 miles of 64503, plus 6 more within Buchanan 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 64503

Top 5 sectors by establishment count in Saint Joseph, MO

Which industries have the most business establishments in ZIP 64503.

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 64503, 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

12,921

Population

39.1

Area (sq mi)

330

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 64503?

40.4

Median Age

48.8%

Male

51.2%

Female

2.4%

Foreign-Born

White 84.2%
African American 3.4%
Asian 0.3%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.0%
Hispanic or Latino 6.8%

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?

$53,039

Median Household Income

-21% vs state

$31,151

Per Capita Income

17.7%

Poverty Rate

4.2%

Unemployment Rate

16.9 min

Mean Commute Time

How ZIP 64503 ranks nationally

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

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

$53,039 18th percentile higher than 18% 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 56.9%
Bachelor's Degree or Higher 15.6%

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

What does housing look like?

5,755

Total Housing Units

5,103

Occupied Units

652

Vacant Units

2.34

Avg Household Size

Occupancy Type

Owner 68.7%
Renter 31.3%

$140,500

Median Home Value

-26% vs state

$886

Median Rent

1966

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

+2.0%

YoY Change (2024)

199

HPI Index (2000 = 100)

+99%

Total Change Since 2000

Home values in ZIP 64503 have increased 2.0% over the past year (2024). Since 2000, this ZIP has seen +99% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.1% 141
2021 +5.7% 149
2022 +13.4% 169
2023 +15.9% 195
2024 +2.0% 199

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 241 business establishments in ZIP 64503, employing approximately 5,082 people with a combined annual payroll of $261,254,000.

241

Businesses

5,082

Employees

$261.3M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 41 17.0%
Construction 26 10.8%
Other services (except public administration) 26 10.8%
Transportation and warehousing 25 10.4%
Wholesale trade 20 8.3%
Accommodation and food services 20 8.3%
Health care and social assistance 19 7.9%
Manufacturing 16 6.6%
Finance and insurance 10 4.2%
Professional, scientific, and technical services 10 4.2%
Administrative and support and waste management and remediation services 9 3.7%
Real estate and rental and leasing 8 3.3%
Arts, entertainment, and recreation 4 1.7%
Information 3 1.2%
Management of companies and enterprises 3 1.2%

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 64503 vs 64501 →

ZIP 64503 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 64503 ranks #4 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 64503 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 64503 ranks #9 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
64501 Saint Joseph, MO 12,503 1.1 mi
66024 Elwood, KS 927 2.1 mi
64506 Saint Joseph, MO 24,030 3.6 mi
64507 Saint Joseph, MO 13,738 4.7 mi
64505 Saint Joseph, MO 13,161 6.6 mi
64504 Saint Joseph, MO 10,763 5.7 mi
66090 Wathena, KS 2,520 7.3 mi
64448 Faucett, MO 1,104 10.4 mi
64401 Agency, MO 1,417 10.4 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
64501 standard
Saint Joseph, MO
Pop: 12,503
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 64503 in? ▼
ZIP code 64503 (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 64503? ▼
ZIP code 64503 in Saint Joseph, MO has a population of 12,921 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64503? ▼
The median household income in ZIP 64503 is $53,039, which is 30% below the national average of $76,288.
What is the average home value in ZIP 64503? ▼
The median home value in ZIP 64503 is $140,500, which is 49% below the national average of $278,155.
What is the demographic makeup of ZIP 64503? ▼
The largest racial group in ZIP 64503 is White at 84.2%. Hispanic or Latino residents make up 6.8% of the population.
How many businesses are in ZIP code 64503? ▼
ZIP code 64503 has 241 business establishments employing approximately 5,082 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64503? ▼
The top industries by establishment count in ZIP 64503 are: Retail trade (41), Construction (26), Other services (except public administration) (26). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 64503? ▼
According to the FHFA House Price Index, home values in ZIP 64503 increased by 2.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 99%. 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 64503? ▼
In ZIP code 64503, 56.9% of residents aged 25+ have a high school diploma or higher, and 15.6% 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 64503? ▼
The mean commute time for workers in ZIP code 64503 is 16.9 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 64503? ▼
In ZIP code 64503, approximately 68.7% of occupied housing units are owner-occupied and 31.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64503? ▼
The poverty rate in ZIP code 64503 is 17.7% 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.