PlainZIP

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
$74,694
Median income
$221,600
Median home value
45.3%
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 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.

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 Missouri average), while per-capita income is $41,141. 8.5% of residents live below the poverty line, and the unemployment rate reads 2.9%. Median home value sits at $221,600 (16% above the state average), median rent at $861 a month, and owner-occupancy at 66.7%.

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. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 65109, plus 6 more within Cole County, give a clearer read than the 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 65109

Top 5 sectors by establishment count in Jefferson City, MO

Which industries have the most business establishments in ZIP 65109.

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 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

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 65109?

40.6

Median Age

46.6%

Male

53.4%

Female

3.5%

Foreign-Born

White 82.4%
African American 6.7%
Asian 2.3%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.9%
Hispanic or Latino 4.1%

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

$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

$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 71.3%
Bachelor's Degree or Higher 45.3%

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

What does housing look like?

18,329

Total Housing Units

17,306

Occupied Units

1,023

Vacant Units

2.35

Avg Household Size

Occupancy Type

Owner 66.7%
Renter 33.3%

$221,600

Median Home Value

+16% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 65109 ranks the most populous - useful context the national average alone can't give.

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

ZIP 65109 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 65109 ranks #4 of 5 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
65053 Lohman, MO 1,425 5.5 mi
65039 Hartsburg, MO 2,328 9.5 mi
65023 Centertown, MO 1,730 8.5 mi
65101 Jefferson City, MO 30,587 9.0 mi

More ZIP Codes in Cole County

65101 standard
Jefferson City, MO
Pop: 30,587
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 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.

Read our methodology to see how this data is sourced, computed, and verified.