Residential delivery area · Missouri
ZIP Code 64504: Saint Joseph, MO
ZIP code 64504 uses the postal name Saint Joseph, Missouri and lies entirely in Buchanan County (Census 2020 ZIP-county file). About 10,000 people live there (Census Bureau, ACS 2020-2024), the least populous of Saint Joseph's 6 residential ZIP codes. Median household income is $58,801 (Census Bureau, ACS 2020-2024). By Census place, 15% of its land lies in St. Joseph; 85% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Saint Joseph · 6 residential ZIPs
- County
- Buchanan County
- Census places
- St. Joseph
- Metro area
- St. Joseph, MO-KS
- House district
- MO-6 119th Congress
- State
- Missouri
- Time zone
- Central
- Land area
- 47.0 sq mi · 214 people per sq mi
Where is ZIP code 64504?
64504 centers on 39.691°, -94.906° and covers 47.0 square miles of land plus 1.6 of water. It borders 7 ZIP codes: 64503, 64501, 64440, 64448, 66090, 64507, 64484.
The map draws ZIP code areas only. For the streets inside 64504, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 64504 compare with the rest of Saint Joseph?
| Measure | 64504 | In Saint Joseph | In Buchanan County | In MO |
|---|---|---|---|---|
| People (ACS 2020-2024) | 10,068 | 6th of 6 | 6th of 14 | 189th of 1,035 |
| Median household income | $59k | 4th of 6 | 7th of 9 | 323rd of 479 |
| Median home value | $127k | 5th of 6 | 8th of 9 | 415th of 494 |
Its median household income is higher than in 27% of U.S. residential ZIP codes, and it is denser than 63% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 64504?
The 2020 Census counted 10,033 people in 64504; the ACS, which samples households over 2020-2024, estimates 10,068. Between the 2010 and 2020 censuses its population fell 6.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 10,068
- 2020 Census count
- 10,033−6.8% since 2010 (10,763)
- Households
- 3,888
- Median age
- 38.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 64504?
Of the 10,068 people the ACS estimates in 64504, 25.5% are under 18 and 18.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (83.1%).
- Under 1825.5%
- 18 to 6456.3%
- 65 and older18.2%
- White, not Hispanic83.1%
- Hispanic or Latino8.7%
- Other or two or more5.5%
- Black, not Hispanic2.4%
- Asian, not Hispanic0.4%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 64504 earn?
Median household income is $58,801 (ACS 2020-2024), the 7th highest of the 9 ranked ZIP codes in Buchanan County. It is not measurably different from 2015-2019 ($64,165 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $58,801
- Income per person
- $30,762
- Below the poverty line
- 21.6%
- Unemployed (of the labor force)
- 5.0%
- Adults 25+ with a bachelor's degree
- 15.4%
- Adjusted gross income per tax return, 2022
- $51,7874,510 returns; wages 80% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 64504?
FHFA's house price index for 64504, built from repeat sales and appraisals of the same homes, rose 82% from 2015 to 2025 and rose 51% from 2020 to 2025, and moved +9.0% in 2025.
- Median home value (owners' estimate)
- $127,100
- Median gross rent
- $958
- Homes owned by their occupants
- 73.1%
- Housing units
- 4,345
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 64504?
159 business establishments had a location in this ZIP code in 2023, 9 fewer than in 2018; the most are in manufacturing (ZIP Code Business Patterns).
- Manufacturing20
- Retail trade19
- Transportation and warehousing18
- Other services (except public administration)16
- Construction15
- Accommodation and food services15
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 64504?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 64503 | Saint Joseph | 11,954 | $53k | 5.1 mi |
| 64501 | Saint Joseph | 10,689 | $47k | 6.1 mi |
| 64440 | De Kalb | 900 | $94k | 7.3 mi |
| 64448 | Faucett | 912 | $76k | 7.3 mi |
| 66090 | Wathena, KS | 2,380 | $87k | 7.6 mi |
| 64507 | Saint Joseph | 13,991 | $61k | 9.3 mi |
| 64484 | Rushville | 940 | $78k | 10.8 mi |
| 66024 | Elwood, KS | 815 | $68k | 5.0 mi (near) |
| 64506 | Saint Joseph | 21,461 | $66k | 8.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.