Saint Joseph, MO · standard
ZIP Code 64507
Buchanan County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 13,738
- 94/sq mi Moderate-density area
- $61,158
- Median income Below-median income area
- $140,300
- Median home value Below-median home value
- 26.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Saint Joseph pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 31st pct
- household income, US ZIPs
- 23rd pct
- home value, US ZIPs
- 94
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 64507 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 64507 (Saint Joseph, MO) rose +14.4% from 2023 to 2024. The all-transactions index moved from 178.3 in 2023 to 204.0 in 2024 (2000 = 100).
ZIP code 64507 is a mid-sized community (a standard USPS delivery area) in Saint Joseph, Buchanan County, Missouri, home to 13,738 residents across 146.8 square miles, a density of 94 people per square mile, in the Chicago time zone.
ZIP 64507 reports a modest median household income of $61,158 (9% below the average Missouri ZIP), while per-capita income is $30,979. The poverty rate is 14.4%, with unemployment at 6.8%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $140,300 (27% below the average Missouri ZIP), and median rent is $883; owner occupancy is 67.1%.
Educational attainment sits below the national norm: 26.2% of adults hold a bachelor's degree or higher, the median age is 35.7, and the average commute is 20 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Buchanan County, so 64507 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 64507
Top 5 sectors by establishment count in Saint Joseph, MO
Which industries have the most business establishments in ZIP 64507.
- Retail trade
Retail trade
46 establishments
- Health care and social assistance
Health care and social assistance
31 establishments
- Other services (except public administration)
Other services (except public administration)
29 establishments
- Finance and insurance
Finance and insurance
28 establishments
- Construction
Construction
24 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 64507, 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
13,738
Population
146.8
Area (sq mi)
94
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 64507?
35.7
Median Age
48.3%
Male
51.7%
Female
2.2%
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?
$61,158
Median Household Income
-9% vs state ZIP avg
$30,979
Per Capita Income
14.4%
Poverty Rate
6.8%
Unemployment Rate
19.9 min
Mean Commute Time
How ZIP 64507 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)
$61,158 48th percentile higher than 48% 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
6,223housing units
6,223
Total Housing Units
5,514
Occupied Units
709
Vacant Units
2.37
Avg Household Size
Occupancy Type
$140,300
Median Home Value
-27% vs state ZIP avg
$883
Median Rent
1956
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
+14.4%
YoY Change (2024)
204
HPI Index (2000 = 100)
+104%
Total Change Since 2000
Home values in ZIP 64507 have increased 14.4% over the past year (2024). Since 2000, this ZIP has seen +104% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.0% | 141 |
| 2021 | +8.9% | 153 |
| 2022 | +19.1% | 182 |
| 2023 | -2.3% | 178 |
| 2024 | +14.4% | 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 286 business establishments in ZIP 64507, employing approximately 7,399 people with a combined annual payroll of $504,795,000.
286
Businesses
7,399
Employees
$504.8M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 46 | 16.1% |
| Health care and social assistance | 31 | 10.8% |
| Other services (except public administration) | 29 | 10.1% |
| Finance and insurance | 28 | 9.8% |
| Construction | 24 | 8.4% |
| Administrative and support and waste management and remediation services | 21 | 7.3% |
| Accommodation and food services | 19 | 6.6% |
| Wholesale trade | 18 | 6.3% |
| Transportation and warehousing | 18 | 6.3% |
| Professional, scientific, and technical services | 15 | 5.2% |
| Manufacturing | 13 | 4.5% |
| Real estate and rental and leasing | 9 | 3.1% |
| Arts, entertainment, and recreation | 6 | 2.1% |
| Information | 4 | 1.4% |
| Educational services | 4 | 1.4% |
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 64507 vs 64506 →
ZIP 64507 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
- 64401 1,417
Agency (64401)
1,417 residents
- 64448 1,104
Faucett (64448)
1,104 residents
- 64443 1,096
Easton (64443)
1,096 residents
- 66024 927
Elwood (66024)
927 residents
What this shows Among its immediate neighbors, ZIP 64507 ranks #2 by population - useful context the national average alone can't give.
ZIP 64507 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
- 64401
Agency (64401)
$99,398 median income
- 64443
Easton (64443)
$86,042 median income
- 64448
Faucett (64448)
$76,058 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
- 64503
Saint Joseph (64503)
$53,039 median income
What this shows By household income, ZIP 64507 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 64506 | Saint Joseph, MO | 24,030 | 4.8 mi |
| 64503 | Saint Joseph, MO | 12,921 | 4.7 mi |
| 64501 | Saint Joseph, MO | 12,503 | 5.2 mi |
| 64443 | Easton, MO | 1,096 | 5.9 mi |
| 64401 | Agency, MO | 1,417 | 7.0 mi |
| 66024 | Elwood, KS | 927 | 6.7 mi |
| 64448 | Faucett, MO | 1,104 | 9.4 mi |
| 64505 | Saint Joseph, MO | 13,161 | 8.9 mi |
| 64436 | Cosby, MO | 781 | 9.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 64507, 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 (13,738 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 64507 in?
ZIP code 64507 (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 64507?
ZIP code 64507 in Saint Joseph, MO has a population of 13,738 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 64507?
The median household income in ZIP 64507 is $61,158, which is 20% below the national average of $76,288.
What is the average home value in ZIP 64507?
The median home value in ZIP 64507 is $140,300, which is 50% below the national average of $278,155.
What is the demographic makeup of ZIP 64507?
The largest racial group in ZIP 64507 is White at 79.7%. Hispanic or Latino residents make up 7.6% of the population.
How many businesses are in ZIP code 64507?
ZIP code 64507 has 286 business establishments employing approximately 7,399 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 64507?
The top industries by establishment count in ZIP 64507 are: Retail trade (46), Health care and social assistance (31), Other services (except public administration) (29). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 64507?
According to the FHFA House Price Index, home values in ZIP 64507 increased by 14.4% 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 64507?
In ZIP code 64507, 64.9% of residents aged 25+ have a high school diploma or higher, and 26.2% 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 64507?
The mean commute time for workers in ZIP code 64507 is 19.9 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 64507?
In ZIP code 64507, approximately 67.1% of occupied housing units are owner-occupied and 32.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 64507?
The poverty rate in ZIP code 64507 is 14.4% 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 64507's numbers, next.
- See how ZIP 64507 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
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.