PlainZIP

Saint Joseph, MO · standard

ZIP Code 64506

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

24,030
843/sq mi
$65,573
Median income
$240,300
Median home value
32.6%
Bachelor's or higher

The verdict

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

39th pct
household income, US ZIPs
Top 45%
home value, US ZIPs
843
people per sq mi
61%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64506 against every reporting US ZIP.

ZIP code 64506 is a densely settled ZIP (a standard USPS delivery area) in Saint Joseph, Buchanan County, Missouri, with 24,030 residents across 28.5 square miles, a density of 843 people per square mile, in the Chicago time zone.

ZIP 64506 reports a modest median household income of $65,573 (2% below the Missouri average), while per-capita income is $39,274. Poverty here runs at 13.0%, with unemployment measured at 3.2%. Housing costs here run $240,300 for a typical home value (26% above the state average), with rent averaging $896 a month; 60.8% of homes are owner-occupied.

A solid share of residents have a four-year degree: 32.6% of adults hold a bachelor's degree or higher, the median age is 40.6, and the average commute is 16 minutes. To put 64506 in local context, 9 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 64506

Top 5 sectors by establishment count in Saint Joseph, MO

Which industries have the most business establishments in ZIP 64506.

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 64506, 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

24,030

Population

28.5

Area (sq mi)

843

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 64506?

40.6

Median Age

50.7%

Male

49.3%

Female

4.8%

Foreign-Born

White 80.4%
African American 7.4%
Asian 2.4%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.2%
Hispanic or Latino 6.8%

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?

$65,573

Median Household Income

-2% vs state

$39,274

Per Capita Income

13.0%

Poverty Rate

3.2%

Unemployment Rate

16.3 min

Mean Commute Time

How ZIP 64506 ranks nationally

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

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

$65,573 39th percentile higher than 39% 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 64.0%
Bachelor's Degree or Higher 32.6%

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

What does housing look like?

9,863

Total Housing Units

8,897

Occupied Units

966

Vacant Units

2.21

Avg Household Size

Occupancy Type

Owner 60.8%
Renter 39.2%

$240,300

Median Home Value

+26% vs state

$896

Median Rent

1977

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

+5.0%

YoY Change (2024)

204

HPI Index (2000 = 100)

+104%

Total Change Since 2000

Home values in ZIP 64506 have increased 5.0% over the past year (2024). Since 2000, this ZIP has seen +104% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.2% 140
2021 +9.6% 154
2022 +17.4% 180
2023 +7.6% 194
2024 +5.0% 204

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 823 business establishments in ZIP 64506, employing approximately 17,306 people with a combined annual payroll of $847,876,000.

823

Businesses

17,306

Employees

$847.9M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 180 21.9%
Retail trade 128 15.6%
Accommodation and food services 102 12.4%
Finance and insurance 89 10.8%
Other services (except public administration) 86 10.4%
Professional, scientific, and technical services 62 7.5%
Real estate and rental and leasing 40 4.9%
Administrative and support and waste management and remediation services 38 4.6%
Construction 30 3.6%
Arts, entertainment, and recreation 17 2.1%
Wholesale trade 14 1.7%
Information 13 1.6%
Manufacturing 8 1.0%
Transportation and warehousing 7 0.8%
Educational services 7 0.8%

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 64506 vs 64501 →

ZIP 64506 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 64506 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 64506 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 64506 ranks #5 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
64501 Saint Joseph, MO 12,503 2.8 mi
64503 Saint Joseph, MO 12,921 3.6 mi
64505 Saint Joseph, MO 13,161 4.1 mi
64507 Saint Joseph, MO 13,738 4.8 mi
66024 Elwood, KS 927 5.2 mi
64436 Cosby, MO 781 7.4 mi
64443 Easton, MO 1,096 8.5 mi
64504 Saint Joseph, MO 10,763 9.3 mi
64421 Amazonia, MO 952 11.0 mi

More ZIP Codes in Buchanan County

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
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 64506 in? ▼
ZIP code 64506 (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 64506? ▼
ZIP code 64506 in Saint Joseph, MO has a population of 24,030 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64506? ▼
The median household income in ZIP 64506 is $65,573, which is 14% below the national average of $76,288.
What is the average home value in ZIP 64506? ▼
The median home value in ZIP 64506 is $240,300, which is 14% below the national average of $278,155.
What is the demographic makeup of ZIP 64506? ▼
The largest racial group in ZIP 64506 is White at 80.4%. Hispanic or Latino residents make up 6.8% of the population.
How many businesses are in ZIP code 64506? ▼
ZIP code 64506 has 823 business establishments employing approximately 17,306 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64506? ▼
The top industries by establishment count in ZIP 64506 are: Health care and social assistance (180), Retail trade (128), Accommodation and food services (102). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 64506? ▼
According to the FHFA House Price Index, home values in ZIP 64506 increased by 5.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 104%. 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 64506? ▼
In ZIP code 64506, 64.0% of residents aged 25+ have a high school diploma or higher, and 32.6% 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 64506? ▼
The mean commute time for workers in ZIP code 64506 is 16.3 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 64506? ▼
In ZIP code 64506, approximately 60.8% of occupied housing units are owner-occupied and 39.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64506? ▼
The poverty rate in ZIP code 64506 is 13.0% 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.