PlainZIP

Saint Joseph, MO · standard

ZIP Code 64505

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

13,161
113/sq mi
$73,298
Median income
$191,100
Median home value
28.4%
Bachelor's or higher

The verdict

Saint Joseph pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 48%
household income, US ZIPs
41th pct
home value, US ZIPs
113
people per sq mi
74%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64505 against every reporting US ZIP.

ZIP code 64505 is a mid-sized community (a standard USPS delivery area) in Saint Joseph, Buchanan County, Missouri, home to 13,161 residents across 116.9 square miles, a density of 113 people per square mile, in the Chicago time zone.

ZIP 64505 lands in the middle-income range, with a median household income of $73,298 (10% above the Missouri average), while per-capita income is $41,261. Poverty here runs at 10.9%, with unemployment measured at 2.8%. Housing costs here run $191,100 for a typical home value (0% below the state average), with rent averaging $1,007 a month; 73.8% of homes are owner-occupied.

Educational attainment sits below the national norm: 28.4% of adults hold a bachelor's degree or higher, the median age is 41.1, and the average commute is 17 minutes. A geography-based comparison follows: 9 ZIP codes within about 10 miles of 64505, 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 64505

Top 5 sectors by establishment count in Saint Joseph, MO

Which industries have the most business establishments in ZIP 64505.

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 64505, 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

13,161

Population

116.9

Area (sq mi)

113

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 64505?

41.1

Median Age

50.7%

Male

49.3%

Female

3.6%

Foreign-Born

White 82.7%
African American 2.2%
Asian 1.0%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 1.7%
Two or More Ethnicities 7.9%
Hispanic or Latino 8.2%

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?

$73,298

Median Household Income

+10% vs state

$41,261

Per Capita Income

10.9%

Poverty Rate

2.8%

Unemployment Rate

16.7 min

Mean Commute Time

How ZIP 64505 ranks nationally

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

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

$73,298 Top 48% higher than 52% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 65.3%
Bachelor's Degree or Higher 28.4%

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

What does housing look like?

5,889

Total Housing Units

5,266

Occupied Units

623

Vacant Units

2.66

Avg Household Size

Occupancy Type

Owner 73.8%
Renter 26.2%

$191,100

Median Home Value

-0% vs state

$1,007

Median Rent

1963

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

-1.0%

YoY Change (2024)

216

HPI Index (2000 = 100)

+116%

Total Change Since 2000

Home values in ZIP 64505 have decreased 1.0% over the past year (2024). Since 2000, this ZIP has seen +116% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.8% 148
2021 +13.2% 168
2022 +9.7% 184
2023 +18.4% 218
2024 -1.0% 216

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 178 business establishments in ZIP 64505, employing approximately 1,597 people with a combined annual payroll of $65,742,000.

178

Businesses

1,597

Employees

$65.7M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Construction 27 15.2%
Retail trade 25 14.0%
Other services (except public administration) 25 14.0%
Administrative and support and waste management and remediation services 23 12.9%
Health care and social assistance 16 9.0%
Professional, scientific, and technical services 13 7.3%
Accommodation and food services 13 7.3%
Wholesale trade 10 5.6%
Real estate and rental and leasing 8 4.5%
Transportation and warehousing 7 3.9%
Manufacturing 5 2.8%

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 64505 vs 64506 →

ZIP 64505 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 64505 ranks #3 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 64505 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 64505 ranks #3 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
64506 Saint Joseph, MO 24,030 4.1 mi
64501 Saint Joseph, MO 12,503 5.5 mi
64503 Saint Joseph, MO 12,921 6.6 mi
64485 Savannah, MO 8,124 7.5 mi
66024 Elwood, KS 927 7.2 mi
64436 Cosby, MO 781 7.7 mi
64421 Amazonia, MO 952 7.1 mi
64507 Saint Joseph, MO 13,738 8.9 mi
66090 Wathena, KS 2,520 8.4 mi

More ZIP Codes in Buchanan County

64506 standard
Saint Joseph, MO
Pop: 24,030
64507 standard
Saint Joseph, MO
Pop: 13,738
64503 standard
Saint Joseph, MO
Pop: 12,921
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 64505 in? ▼
ZIP code 64505 (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 64505? ▼
ZIP code 64505 in Saint Joseph, MO has a population of 13,161 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64505? ▼
The median household income in ZIP 64505 is $73,298, which is 4% below the national average of $76,288.
What is the average home value in ZIP 64505? ▼
The median home value in ZIP 64505 is $191,100, which is 31% below the national average of $278,155.
What is the demographic makeup of ZIP 64505? ▼
The largest racial group in ZIP 64505 is White at 82.7%. Hispanic or Latino residents make up 8.2% of the population.
How many businesses are in ZIP code 64505? ▼
ZIP code 64505 has 178 business establishments employing approximately 1,597 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64505? ▼
The top industries by establishment count in ZIP 64505 are: Construction (27), Retail trade (25), Other services (except public administration) (25). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 64505? ▼
According to the FHFA House Price Index, home values in ZIP 64505 decreased by 1.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 116%. 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 64505? ▼
In ZIP code 64505, 65.3% of residents aged 25+ have a high school diploma or higher, and 28.4% 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 64505? ▼
The mean commute time for workers in ZIP code 64505 is 16.7 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 64505? ▼
In ZIP code 64505, approximately 73.8% of occupied housing units are owner-occupied and 26.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64505? ▼
The poverty rate in ZIP code 64505 is 10.9% 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.