Residential delivery area · Missouri
ZIP Code 64505: Saint Joseph, MO
ZIP code 64505 uses the postal name Saint Joseph, Missouri and lies mostly in Andrew County (77% of its land) with the rest in Buchanan County (Census 2020 ZIP-county file). About 14,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Saint Joseph's 6 residential ZIP codes. Median household income is $73,298 (Census Bureau, ACS 2020-2024). By Census place, its land lies in St. Joseph (15%) and Country Club (8%); 77% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Saint Joseph · 6 residential ZIPs
- County
- Andrew County (77%); Buchanan County (23%)
- Census places
- St. Joseph (15%); Country Club (8%)
- Metro area
- St. Joseph, MO-KS
- House district
- MO-6 119th Congress
- State
- Missouri
- Time zone
- Central
- Land area
- 45.6 sq mi · 309 people per sq mi
Where is ZIP code 64505?
64505 centers on 39.847°, -94.824° and covers 45.6 square miles of land plus 0.6 of water. It borders 9 ZIP codes: 64506, 64501, 64503, 66024, 64421, 64436, 64485, 64507, 66090.
The map draws ZIP code areas only. For the streets inside 64505, 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 64505 compare with the rest of Saint Joseph?
| Measure | 64505 | In Saint Joseph | In Andrew County | In MO |
|---|---|---|---|---|
| People (ACS 2020-2024) | 14,107 | 2nd of 6 | 2nd of 17 | 146th of 1,035 |
| Median household income | $73k | 1st of 6 | 1st of 6 | 177th of 479 |
| Median home value | $191k | 2nd of 6 | 3rd of 5 | 258th of 494 |
Its median household income is higher than in 52% of U.S. residential ZIP codes, and it is denser than 67% 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 64505?
The 2020 Census counted 13,261 people in 64505; the ACS, which samples households over 2020-2024, estimates 14,107. Between the 2010 and 2020 censuses its population grew 0.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 14,107
- 2020 Census count
- 13,261+0.8% since 2010 (13,161)
- Households
- 5,266
- Median age
- 41.1
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 64505?
Of the 14,107 people the ACS estimates in 64505, 23.3% are under 18 and 15.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (80.9%).
- Under 1823.3%
- 18 to 6461.2%
- 65 and older15.5%
- White, not Hispanic80.9%
- Hispanic or Latino8.2%
- Other or two or more7.8%
- Black, not Hispanic2.1%
- Asian, not Hispanic1.0%
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 64505 earn?
Median household income is $73,298 (ACS 2020-2024), the highest of the 6 ranked ZIP codes in Andrew County. It is not measurably different from 2015-2019 ($66,384 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $73,298
- Income per person
- $41,261
- Below the poverty line
- 10.9%
- Unemployed (of the labor force)
- 2.8%
- Adults 25+ with a bachelor's degree
- 28.4%
- Adjusted gross income per tax return, 2022
- $73,6006,300 returns; wages 68% 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 64505?
FHFA's house price index for 64505, built from repeat sales and appraisals of the same homes, rose 75% from 2015 to 2025 and rose 57% from 2020 to 2025, and moved +6.4% in 2025.
- Median home value (owners' estimate)
- $191,100
- Median gross rent
- $1,007
- Homes owned by their occupants
- 73.8%
- Housing units
- 5,889
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 64505?
178 business establishments had a location in this ZIP code in 2023, 2 fewer than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction27
- Retail trade25
- Other services (except public administration)25
- Administrative and support and waste management and remediation services23
- Health care and social assistance16
- Professional, scientific, and technical services13
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 64505?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 64506 | Saint Joseph | 21,461 | $66k | 4.1 mi |
| 64501 | Saint Joseph | 10,689 | $47k | 5.7 mi |
| 64503 | Saint Joseph | 11,954 | $53k | 6.8 mi |
| 66024 | Elwood, KS | 815 | $68k | 6.8 mi |
| 64421 | Amazonia | 817 | $53k | 7.0 mi |
| 64436 | Cosby | 873 | $114k | 7.0 mi |
| 64485 | Savannah | 7,998 | $68k | 7.4 mi |
| 64507 | Saint Joseph | 13,991 | $61k | 8.8 mi |
| 66090 | Wathena, KS | 2,380 | $87k | 8.9 mi |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.