PlainZIP

Jefferson City, MO · standard

ZIP Code 65101

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

30,587
89/sq mi
$74,807
Median income
$243,600
Median home value
33.1%
Bachelor's or higher

The verdict

Jefferson City pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 45%
household income, US ZIPs
Top 44%
home value, US ZIPs
89
people per sq mi
65%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 65101 against every reporting US ZIP.

ZIP code 65101 is a densely settled ZIP (a standard USPS delivery area) in Jefferson City, Cole County, Missouri, with 30,587 residents across 344.1 square miles, a density of 89 people per square mile, in the Chicago time zone.

ZIP 65101 lands in the middle-income range, with a median household income of $74,807 (12% above the Missouri average), while per-capita income is $35,440. Poverty here runs at 10.7%, with unemployment measured at 3.5%. Housing costs here run $243,600 for a typical home value (27% above the state average), with rent averaging $791 a month; 64.9% of homes are owner-occupied.

A solid share of residents have a four-year degree: 33.1% of adults hold a bachelor's degree or higher, the median age is 38.3, and the average commute is 20 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cole County, so you can benchmark 65101 against its immediate geography rather than a national average alone.

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 65101

Top 5 sectors by establishment count in Jefferson City, MO

Which industries have the most business establishments in ZIP 65101.

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 65101, Jefferson City, 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

30,587

Population

344.1

Area (sq mi)

89

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 65101?

38.3

Median Age

55.4%

Male

44.6%

Female

2.6%

Foreign-Born

White 73.8%
African American 16.6%
Asian 0.4%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.7%
Hispanic or Latino 3.2%

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?

$74,807

Median Household Income

+12% vs state

$35,440

Per Capita Income

10.7%

Poverty Rate

3.5%

Unemployment Rate

19.6 min

Mean Commute Time

How ZIP 65101 ranks nationally

Jefferson City, MO household income vs. every US ZIP code

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

$74,807 Top 45% higher than 55% 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 64.5%
Bachelor's Degree or Higher 33.1%

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

What does housing look like?

12,097

Total Housing Units

10,888

Occupied Units

1,209

Vacant Units

2.32

Avg Household Size

Occupancy Type

Owner 64.9%
Renter 35.1%

$243,600

Median Home Value

+27% vs state

$791

Median Rent

1979

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

+9.4%

YoY Change (2024)

236

HPI Index (2000 = 100)

+136%

Total Change Since 2000

Home values in ZIP 65101 have increased 9.4% over the past year (2024). Since 2000, this ZIP has seen +136% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.1% 147
2021 +9.7% 161
2022 +18.8% 192
2023 +12.6% 216
2024 +9.4% 236

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 866 business establishments in ZIP 65101, employing approximately 15,477 people with a combined annual payroll of $839,243,000.

866

Businesses

15,477

Employees

$839.2M

Annual Payroll

18

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 132 15.2%
Professional, scientific, and technical services 110 12.7%
Construction 97 11.2%
Retail trade 84 9.7%
Health care and social assistance 81 9.3%
Finance and insurance 75 8.7%
Accommodation and food services 70 8.1%
Administrative and support and waste management and remediation services 55 6.3%
Wholesale trade 31 3.6%
Manufacturing 24 2.8%
Information 22 2.5%
Real estate and rental and leasing 22 2.5%
Transportation and warehousing 18 2.1%
Educational services 18 2.1%
Arts, entertainment, and recreation 12 1.4%
Management of companies and enterprises 7 0.8%
Utilities 4 0.5%
Mining, quarrying, and oil and gas extraction 3 0.3%

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 65101 vs 65085 →

ZIP 65101 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 65101 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 65101 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 65101 ranks #4 of 6 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
65085 Westphalia, MO 1,240 7.3 mi
65076 Saint Thomas, MO 829 8.7 mi
65043 Holts Summit, MO 9,452 9.5 mi
65109 Jefferson City, MO 38,090 9.0 mi
65048 Koeltztown, MO 154 10.6 mi

More ZIP Codes in Cole County

65109 standard
Jefferson City, MO
Pop: 38,090
65074 standard
Russellville, MO
Pop: 3,061
65023 standard
Centertown, MO
Pop: 1,730
65053 standard
Lohman, MO
Pop: 1,425
65040 standard
Henley, MO
Pop: 1,208
65076 standard
Saint Thomas, MO
Pop: 829

Related Areas

Cole County Jefferson City, MO Missouri

Frequently Asked Questions

What county is ZIP code 65101 in? ▼
ZIP code 65101 (Jefferson City) is located in Cole County, Missouri. Cole County contains multiple ZIP codes, see the full list at /counties/cole-mo.
What is the population of ZIP code 65101? ▼
ZIP code 65101 in Jefferson City, MO has a population of 30,587 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 65101? ▼
The median household income in ZIP 65101 is $74,807, which is 2% below the national average of $76,288.
What is the average home value in ZIP 65101? ▼
The median home value in ZIP 65101 is $243,600, which is 12% below the national average of $278,155.
What is the demographic makeup of ZIP 65101? ▼
The largest racial group in ZIP 65101 is White at 73.8%. Hispanic or Latino residents make up 3.2% of the population.
How many businesses are in ZIP code 65101? ▼
ZIP code 65101 has 866 business establishments employing approximately 15,477 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 65101? ▼
The top industries by establishment count in ZIP 65101 are: Other services (except public administration) (132), Professional, scientific, and technical services (110), Construction (97). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 65101? ▼
According to the FHFA House Price Index, home values in ZIP 65101 increased by 9.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 136%. 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 65101? ▼
In ZIP code 65101, 64.5% of residents aged 25+ have a high school diploma or higher, and 33.1% 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 65101? ▼
The mean commute time for workers in ZIP code 65101 is 19.6 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 65101? ▼
In ZIP code 65101, approximately 64.9% of occupied housing units are owner-occupied and 35.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 65101? ▼
The poverty rate in ZIP code 65101 is 10.7% 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.