Jefferson City, MO · standard
ZIP Code 65109
Cole County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 38,090
- 179/sq mi High-density area
- $74,694
- Median income Near-median income area
- $221,600
- Median home value Near-median home value
- 45.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Jefferson City pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 46%
- household income, US ZIPs
- Top 50%
- home value, US ZIPs
- 179
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 65109 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 65109 (Jefferson City, MO) rose +5.6% from 2023 to 2024. The all-transactions index moved from 208.0 in 2023 to 219.6 in 2024 (2000 = 100).
ZIP code 65109 is a densely settled ZIP (a standard USPS delivery area) in Jefferson City, Cole County, Missouri, with 38,090 residents across 212.8 square miles, a density of 179 people per square mile, in the Chicago time zone.
ZIP 65109 lands in the middle-income range, with a median household income of $74,694 (12% above the average Missouri ZIP), while per-capita income is $41,141. The poverty rate is 8.5%, with unemployment at 2.9%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $221,600 (16% above the average Missouri ZIP), while 66.7% of occupied homes are owner-occupied and median rent is $861.
A solid share of residents have a four-year degree: 45.3% 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 4 ZIP codes within roughly 10 miles and 6 more in Cole County, so 65109 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 65109
Top 5 sectors by establishment count in Jefferson City, MO
Which industries have the most business establishments in ZIP 65109.
- Health care and social assistance
Health care and social assistance
177 establishments
- Retail trade
Retail trade
166 establishments
- Other services (except public administration)
Other services (except public administration)
131 establishments
- Construction
Construction
111 establishments
- Accommodation and food services
Accommodation and food services
107 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 65109, 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
38,090
Population
212.8
Area (sq mi)
179
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 65109?
40.6
Median Age
46.6%
Male
53.4%
Female
3.5%
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?
$74,694
Median Household Income
+12% vs state ZIP avg
$41,141
Per Capita Income
8.5%
Poverty Rate
2.9%
Unemployment Rate
15.9 min
Mean Commute Time
How ZIP 65109 ranks nationally
Jefferson City, MO household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$74,694 Top 46% higher than 54% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
18,329housing units
18,329
Total Housing Units
17,306
Occupied Units
1,023
Vacant Units
2.35
Avg Household Size
Occupancy Type
$221,600
Median Home Value
+16% vs state ZIP avg
$861
Median Rent
1984
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
+5.6%
YoY Change (2024)
220
HPI Index (2000 = 100)
+120%
Total Change Since 2000
Home values in ZIP 65109 have increased 5.6% over the past year (2024). Since 2000, this ZIP has seen +120% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.9% | 142 |
| 2021 | +13.5% | 161 |
| 2022 | +14.5% | 185 |
| 2023 | +12.6% | 208 |
| 2024 | +5.6% | 220 |
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 1,174 business establishments in ZIP 65109, employing approximately 19,755 people with a combined annual payroll of $1,007,672,000.
1,174
Businesses
19,755
Employees
$1.0B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 177 | 15.1% |
| Retail trade | 166 | 14.1% |
| Other services (except public administration) | 131 | 11.2% |
| Construction | 111 | 9.4% |
| Accommodation and food services | 107 | 9.1% |
| Professional, scientific, and technical services | 100 | 8.5% |
| Finance and insurance | 79 | 6.7% |
| Administrative and support and waste management and remediation services | 78 | 6.6% |
| Real estate and rental and leasing | 53 | 4.5% |
| Wholesale trade | 51 | 4.3% |
| Information | 30 | 2.6% |
| Manufacturing | 29 | 2.5% |
| Transportation and warehousing | 21 | 1.8% |
| Educational services | 18 | 1.5% |
| Arts, entertainment, and recreation | 11 | 0.9% |
| Management of companies and enterprises | 7 | 0.6% |
| Utilities | 5 | 0.4% |
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 65109 vs 65053 →
ZIP 65109 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 65109
Jefferson City (65109)
38,090 residents
- 65101
Jefferson City (65101)
30,587 residents
- 65039 2,328
Hartsburg (65039)
2,328 residents
- 65023 1,730
Centertown (65023)
1,730 residents
- 65053 1,425
Lohman (65053)
1,425 residents
What this shows Among its immediate neighbors, ZIP 65109 ranks the most populous - useful context the national average alone can't give.
ZIP 65109 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 65039
Hartsburg (65039)
$125,714 median income
- 65053
Lohman (65053)
$120,870 median income
- 65101
Jefferson City (65101)
$74,807 median income
- 65109
Jefferson City (65109)
$74,694 median income
- 65023
Centertown (65023)
$72,663 median income
What this shows By household income, ZIP 65109 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 65109, 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 (38,090 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Cole County
Related Areas
Frequently Asked Questions
What county is ZIP code 65109 in?
ZIP code 65109 (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 65109?
ZIP code 65109 in Jefferson City, MO has a population of 38,090 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 65109?
The median household income in ZIP 65109 is $74,694, which is 2% below the national average of $76,288.
What is the average home value in ZIP 65109?
The median home value in ZIP 65109 is $221,600, which is 20% below the national average of $278,155.
What is the demographic makeup of ZIP 65109?
The largest racial group in ZIP 65109 is White at 82.4%. Hispanic or Latino residents make up 4.1% of the population.
How many businesses are in ZIP code 65109?
ZIP code 65109 has 1,174 business establishments employing approximately 19,755 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 65109?
The top industries by establishment count in ZIP 65109 are: Health care and social assistance (177), Retail trade (166), Other services (except public administration) (131). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 65109?
According to the FHFA House Price Index, home values in ZIP 65109 increased by 5.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 120%. 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 65109?
In ZIP code 65109, 71.3% of residents aged 25+ have a high school diploma or higher, and 45.3% 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 65109?
The mean commute time for workers in ZIP code 65109 is 15.9 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 65109?
In ZIP code 65109, approximately 66.7% of occupied housing units are owner-occupied and 33.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 65109?
The poverty rate in ZIP code 65109 is 8.5% 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 65109's numbers, next.
- See how ZIP 65109 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Jefferson City, 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.