PlainZIP

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
$58,801
Median income
$127,100
Median home value
15.4%
Bachelor's or higher

The verdict

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.

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 Missouri average), while per-capita income is $30,762. Local economic indicators show a 21.6% poverty rate alongside 5.0% unemployment. On housing, the median home value is $127,100 (33% below the state average) with median rent at $958 per month, and 73.1% of occupied units are owner-occupied.

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. To put 64504 in local context, 8 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Buchanan County, for a geography-aware comparison.

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.

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 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

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 64504?

38.9

Median Age

49.4%

Male

50.6%

Female

3.1%

Foreign-Born

White 85.0%
African American 2.5%
Asian 0.4%
American Indian or Alaska Native 1.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.0%
Hispanic or Latino 8.7%

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

$30,762

Per Capita Income

21.6%

Poverty Rate

5.0%

Unemployment Rate

17.7 min

Mean Commute Time

How ZIP 64504 ranks nationally

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

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

$58,801 27th percentile higher than 27% 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 58.4%
Bachelor's Degree or Higher 15.4%

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

What does housing look like?

4,345

Total Housing Units

3,888

Occupied Units

457

Vacant Units

2.58

Avg Household Size

Occupancy Type

Owner 73.1%
Renter 26.9%

$127,100

Median Home Value

-33% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 64504 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 64504 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 64504 ranks #7 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
66024 Elwood, KS 927 4.5 mi
64440 De Kalb, MO 737 7.5 mi
64503 Saint Joseph, MO 12,921 5.7 mi
64501 Saint Joseph, MO 12,503 6.6 mi
66090 Wathena, KS 2,520 7.6 mi
64448 Faucett, MO 1,104 7.8 mi
64506 Saint Joseph, MO 24,030 9.3 mi
64484 Rushville, MO 1,229 10.6 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
64501 standard
Saint Joseph, MO
Pop: 12,503
64401 standard
Agency, MO
Pop: 1,417

Related Areas

Buchanan County Saint Joseph, MO Missouri

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.

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