ZIP Code 64506
standardSource:
Saint Joseph · Buchanan County · Missouri
- Population
- 24,030
- Median income
- $65,573
- Median home value
- $240,300
- Bachelor's or higher
- 32.6%
- Land area
- 28.5 sq mi
843/sq mi
▼ 14% vs US
higher than 39% of US ZIPs
▼ 14% vs US
higher than 55% of US ZIPs
Median age 40.6
Chicago
ZIP code 64506 in Saint Joseph, Missouri has a population of 24,030. The median household income is $65,573, which is 14% below the national average. Median home value is $240,300, 14% below the US average. 32.6% of residents hold a bachelor's degree or higher.
ZIP code 64506 is classified by USPS as a standard delivery area and covers roughly 28.5 square miles in Saint Joseph, Buchanan County, Missouri. The area is home to 24,030 residents, producing a population density of 843 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 64506 against Missouri and the nation.
On the economic side, the median household income for ZIP 64506 sits at $65,573 (2% below the Missouri average), while per-capita income is $39,274. The poverty rate stands at 13.0% and the unemployment rate at 3.2%. On housing, the median home value is $240,300 (26% above the state average) with median rent at $896 per month, and 60.8% of occupied units are owner-occupied, a direct signal of whether 64506 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 32.6% of adults hold a bachelor's degree or higher, the median age is 40.6, and the average commute is 16 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Buchanan County, so you can benchmark 64506 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 64506
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 64506.
- Health care and social assistance
Health care and social assistance
180 establishments
- Retail trade
Retail trade
128 establishments
- Accommodation and food services
Accommodation and food services
102 establishments
- Finance and insurance
Finance and insurance
89 establishments
- Other services (except public administration)
Other services (except public administration)
86 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 64506?
40.6
Median Age
50.7%
Male
49.3%
Female
4.8%
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?
$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
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?
9,863
Total Housing Units
8,897
Occupied Units
966
Vacant Units
2.21
Avg Household Size
Occupancy Type
$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 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
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Frequently Asked Questions
What county is ZIP code 64506 in? ▼
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What is the demographic makeup of ZIP 64506? ▼
How many businesses are in ZIP code 64506? ▼
What are the main industries in ZIP code 64506? ▼
How have home values changed in ZIP code 64506? ▼
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What is the average commute time in ZIP 64506? ▼
What percentage of residents own vs. rent in ZIP 64506? ▼
What is the poverty rate in ZIP code 64506? ▼
ZIP Code Research Guides
Official Data Resources for Saint Joseph, MO
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.