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 High-density area
- $65,573
- Median income Near-median income area
- $240,300
- Median home value Near-median home value
- 32.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 64506 (Saint Joseph, MO) rose +5.0% from 2023 to 2024. The all-transactions index moved from 194.1 in 2023 to 203.8 in 2024 (2000 = 100).
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 average Missouri ZIP), while per-capita income is $39,274. The poverty rate is 13.0%, with unemployment at 3.2%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $240,300 (26% above the average Missouri ZIP), while 60.8% of occupied homes are owner-occupied and median rent is $896.
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. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Buchanan County, so 64506 can be compared with both its immediate and county-level context.
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.
- 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 + 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
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 ZIP avg
$39,274
Per Capita Income
13.0%
Poverty Rate
3.2%
Unemployment Rate
16.3 min
Mean Commute Time
How ZIP 64506 ranks among Missouri ZIPs
Saint Joseph, MO household income vs. every Missouri ZIP code
Median household income among 948 reporting Missouri ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$65,573 Top 42% higher than 58% of 948 Missouri ZIPs
Each bar is a $20K-wide band; taller bars hold more Missouri 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
9,863housing units
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 ZIP avg
$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.
- 64506
Saint Joseph (64506)
24,030 residents
- 64507
Saint Joseph (64507)
13,738 residents
- 64505
Saint Joseph (64505)
13,161 residents
- 64503
Saint Joseph (64503)
12,921 residents
- 64501
Saint Joseph (64501)
12,503 residents
- 64504
Saint Joseph (64504)
10,763 residents
- 64443 1,096
Easton (64443)
1,096 residents
- 64421 952
Amazonia (64421)
952 residents
- 66024 927
Elwood (66024)
927 residents
What this shows Among its immediate neighbors, ZIP 64506 ranks the most populous - useful context the national average alone can't give.
ZIP 64506 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 64436
Cosby (64436)
$113,500 median income
- 64443
Easton (64443)
$86,042 median income
- 64505
Saint Joseph (64505)
$73,298 median income
- 66024
Elwood (66024)
$68,125 median income
- 64506
Saint Joseph (64506)
$65,573 median income
- 64507
Saint Joseph (64507)
$61,158 median income
- 64504
Saint Joseph (64504)
$58,801 median income
- 64421
Amazonia (64421)
$53,125 median income
- 64503
Saint Joseph (64503)
$53,039 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 64506, both outside MO so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (24,030 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Buchanan County
Related Areas
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.
Related
Take this with you
What to do with ZIP 64506's numbers, next.
- See how ZIP 64506 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Saint Joseph, MO ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.