Residential delivery area · Missouri
ZIP Code 64506: Saint Joseph, MO
ZIP code 64506 uses the postal name Saint Joseph, Missouri and lies mostly in Buchanan County (96% of its land) with the rest in Andrew County (Census 2020 ZIP-county file). About 21,000 people live there (Census Bureau, ACS 2020-2024), the most populous of Saint Joseph's 6 residential ZIP codes. Median household income is $65,573 (Census Bureau, ACS 2020-2024). Most of its land (96%) lies in the city of St. Joseph.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Saint Joseph · 6 residential ZIPs
- County
- Buchanan County (96%); Andrew County (4%)
- Census places
- St. Joseph
- Metro area
- St. Joseph, MO-KS
- House district
- MO-6 119th Congress
- State
- Missouri
- Time zone
- Central
- Land area
- 10.0 sq mi · 2,141 people per sq mi
Where is ZIP code 64506?
64506 centers on 39.790°, -94.803° and covers 10.0 square miles of land plus 0.0 of water. It borders 3 ZIP codes: 64501, 64505, 64507.
The map draws ZIP code areas only. For the streets inside 64506, 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 64506 compare with the rest of Saint Joseph?
| Measure | 64506 | In Saint Joseph | In Buchanan County | In MO |
|---|---|---|---|---|
| People (ACS 2020-2024) | 21,461 | 1st of 6 | 1st of 14 | 88th of 1,035 |
| Median household income | $66k | 2nd of 6 | 5th of 9 | 237th of 479 |
| Median home value | $240k | 1st of 6 | 3rd of 9 | 148th of 494 |
Its median household income is higher than in 39% of U.S. residential ZIP codes, and it is denser than 85% 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 64506?
The 2020 Census counted 22,828 people in 64506; the ACS, which samples households over 2020-2024, estimates 21,461. Between the 2010 and 2020 censuses its population fell 5.0% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 21,461
- 2020 Census count
- 22,828−5.0% since 2010 (24,030)
- Households
- 8,897
- Median age
- 40.6
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 64506?
Of the 21,461 people the ACS estimates in 64506, 20.1% are under 18 and 21.8% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (79.4%).
- Under 1820.1%
- 18 to 6458.1%
- 65 and older21.8%
- White, not Hispanic79.4%
- Black, not Hispanic7.1%
- Hispanic or Latino6.8%
- Other or two or more4.3%
- Asian, not Hispanic2.4%
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 64506 earn?
Median household income is $65,573 (ACS 2020-2024), the 5th highest of the 9 ranked ZIP codes in Buchanan County. It is not measurably different from 2015-2019 ($70,675 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $65,573
- Income per person
- $39,274
- Below the poverty line
- 13.0%
- Unemployed (of the labor force)
- 3.3%
- Adults 25+ with a bachelor's degree
- 32.6%
- Adjusted gross income per tax return, 2022
- $79,63610,190 returns; wages 62% 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 64506?
FHFA's house price index for 64506, built from repeat sales and appraisals of the same homes, rose 78% from 2015 to 2025 and rose 53% from 2020 to 2025, and moved +7.1% in 2025.
- Median home value (owners' estimate)
- $240,300
- Median gross rent
- $896
- Homes owned by their occupants
- 60.8%
- Housing units
- 9,863
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 64506?
823 business establishments had a location in this ZIP code in 2023, 8 fewer than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance180
- Retail trade128
- Accommodation and food services102
- Finance and insurance89
- Other services (except public administration)86
- Professional, scientific, and technical services62
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 64506?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 64501 | Saint Joseph | 10,689 | $47k | 2.7 mi |
| 64505 | Saint Joseph | 14,107 | $73k | 4.1 mi |
| 64507 | Saint Joseph | 13,991 | $61k | 5.0 mi |
| 64503 | Saint Joseph | 11,954 | $53k | 3.6 mi (near) |
| 66024 | Elwood, KS | 815 | $68k | 5.0 mi (near) |
| 64436 | Cosby | 873 | $114k | 7.3 mi (near) |
| 64443 | Easton | 1,249 | $86k | 8.6 mi (near) |
| 64504 | Saint Joseph | 10,068 | $59k | 8.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.