Saint Joseph, MO · standard
ZIP Code 64504
Buchanan County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 10,763
- 91/sq mi Moderate-density area
- $58,801
- Median income Below-median income area
- $127,100
- Median home value Below-median home value
- 15.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Saint Joseph pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 27th pct
- household income, US ZIPs
- 19th pct
- home value, US ZIPs
- 91
- people per sq mi
- 73%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64504 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 64504 (Saint Joseph, MO) rose +12.9% from 2023 to 2024. The all-transactions index moved from 170.4 in 2023 to 192.4 in 2024 (2000 = 100).
ZIP code 64504 is a mid-sized community (a standard USPS delivery area) in Saint Joseph, Buchanan County, Missouri, home to 10,763 residents across 118.9 square miles, a density of 91 people per square mile, in the Chicago time zone.
ZIP 64504 reports a modest median household income of $58,801 (12% below the average Missouri ZIP), while per-capita income is $30,762. The poverty rate is 21.6%, 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 $127,100 (33% below the average Missouri ZIP), and median rent is $958; owner occupancy is 73.1%.
Educational attainment sits below the national norm: 15.4% of adults hold a bachelor's degree or higher, the median age is 38.9, and the average commute is 18 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Buchanan County, so 64504 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 64504
Top 5 sectors by establishment count in Saint Joseph, MO
Which industries have the most business establishments in ZIP 64504.
- Manufacturing
Manufacturing
20 establishments
- Retail trade
Retail trade
19 establishments
- Transportation and warehousing
Transportation and warehousing
18 establishments
- Other services (except public administration)
Other services (except public administration)
16 establishments
- Construction
Construction
15 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 64504, 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
10,763
Population
118.9
Area (sq mi)
91
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 64504?
38.9
Median Age
49.4%
Male
50.6%
Female
3.1%
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?
$58,801
Median Household Income
-12% vs state ZIP avg
$30,762
Per Capita Income
21.6%
Poverty Rate
5.0%
Unemployment Rate
17.7 min
Mean Commute Time
How ZIP 64504 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)
$58,801 41st percentile higher than 41% 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
4,345housing units
4,345
Total Housing Units
3,888
Occupied Units
457
Vacant Units
2.58
Avg Household Size
Occupancy Type
$127,100
Median Home Value
-33% vs state ZIP avg
$958
Median Rent
1958
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
+12.9%
YoY Change (2024)
192
HPI Index (2000 = 100)
+92%
Total Change Since 2000
Home values in ZIP 64504 have increased 12.9% over the past year (2024). Since 2000, this ZIP has seen +92% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.7% | 143 |
| 2021 | +8.6% | 156 |
| 2022 | +11.6% | 174 |
| 2023 | -2.0% | 170 |
| 2024 | +12.9% | 192 |
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 159 business establishments in ZIP 64504, employing approximately 7,479 people with a combined annual payroll of $430,487,000.
159
Businesses
7,479
Employees
$430.5M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Manufacturing | 20 | 12.6% |
| Retail trade | 19 | 11.9% |
| Transportation and warehousing | 18 | 11.3% |
| Other services (except public administration) | 16 | 10.1% |
| Construction | 15 | 9.4% |
| Accommodation and food services | 15 | 9.4% |
| Administrative and support and waste management and remediation services | 12 | 7.5% |
| Real estate and rental and leasing | 10 | 6.3% |
| Health care and social assistance | 10 | 6.3% |
| Wholesale trade | 9 | 5.7% |
| Finance and insurance | 7 | 4.4% |
| Professional, scientific, and technical services | 3 | 1.9% |
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 64504 vs 66024 →
ZIP 64504 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
- 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
- 64484 1,229
Rushville (64484)
1,229 residents
- 64448 1,104
Faucett (64448)
1,104 residents
- 66024 927
Elwood (66024)
927 residents
- 64440 737
De Kalb (64440)
737 residents
What this shows Among its immediate neighbors, ZIP 64504 ranks #4 by population - useful context the national average alone can't give.
ZIP 64504 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 64440
De Kalb (64440)
$94,306 median income
- 66090
Wathena (66090)
$87,025 median income
- 64484
Rushville (64484)
$77,917 median income
- 64448
Faucett (64448)
$76,058 median income
- 66024
Elwood (66024)
$68,125 median income
- 64506
Saint Joseph (64506)
$65,573 median income
- 64504
Saint Joseph (64504)
$58,801 median income
- 64503
Saint Joseph (64503)
$53,039 median income
- 64501
Saint Joseph (64501)
$46,731 median income
What this shows By household income, ZIP 64504 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 64504, 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 (10,763 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 64504 in?
ZIP code 64504 (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 64504?
ZIP code 64504 in Saint Joseph, MO has a population of 10,763 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64504?
The median household income in ZIP 64504 is $58,801, which is 23% below the national average of $76,288.
What is the average home value in ZIP 64504?
The median home value in ZIP 64504 is $127,100, which is 54% below the national average of $278,155.
What is the demographic makeup of ZIP 64504?
The largest racial group in ZIP 64504 is White at 85.0%. Hispanic or Latino residents make up 8.7% of the population.
How many businesses are in ZIP code 64504?
ZIP code 64504 has 159 business establishments employing approximately 7,479 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64504?
The top industries by establishment count in ZIP 64504 are: Manufacturing (20), Retail trade (19), Transportation and warehousing (18). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 64504?
According to the FHFA House Price Index, home values in ZIP 64504 increased by 12.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 92%. 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 64504?
In ZIP code 64504, 58.4% of residents aged 25+ have a high school diploma or higher, and 15.4% 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 64504?
The mean commute time for workers in ZIP code 64504 is 17.7 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 64504?
In ZIP code 64504, approximately 73.1% of occupied housing units are owner-occupied and 26.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64504?
The poverty rate in ZIP code 64504 is 21.6% 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 64504's numbers, next.
- See how ZIP 64504 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.