ZIP Code 65109
standardSource:
Jefferson City · Cole County · Missouri
- Population
- 38,090
- Median income
- $74,694
- Median home value
- $221,600
- Bachelor's or higher
- 45.3%
- Land area
- 212.8 sq mi
179/sq mi
▼ 2% vs US
higher than 54% of US ZIPs
▼ 20% vs US
higher than 50% of US ZIPs
Median age 40.6
Chicago
ZIP code 65109 in Jefferson City, Missouri has a population of 38,090. The median household income is $74,694, which is 2% below the national average. Median home value is $221,600, 20% below the US average. 45.3% of residents hold a bachelor's degree or higher.
ZIP code 65109 is classified by USPS as a standard delivery area and covers roughly 212.8 square miles in Jefferson City, Cole County, Missouri. The area is home to 38,090 residents, producing a population density of 179 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 65109 against Missouri and the nation.
On the economic side, the median household income for ZIP 65109 sits at $74,694 (12% above the Missouri average), while per-capita income is $41,141. The poverty rate stands at 8.5% and the unemployment rate at 2.9%. On housing, the median home value is $221,600 (16% above the state average) with median rent at $861 per month, and 66.7% of occupied units are owner-occupied, a direct signal of whether 65109 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 45.3% of adults hold a bachelor's degree or higher, the median age is 40.6, and the average commute is 16 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cole County, so you can benchmark 65109 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 65109
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$41,141
Per Capita Income
8.5%
Poverty Rate
2.9%
Unemployment Rate
15.9 min
Mean Commute Time
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?
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
$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 →
More ZIP Codes in Cole County
Related Areas
Frequently Asked Questions
What county is ZIP code 65109 in? ▼
What is the population of ZIP code 65109? ▼
What is the median household income in ZIP 65109? ▼
What is the average home value in ZIP 65109? ▼
What is the demographic makeup of ZIP 65109? ▼
How many businesses are in ZIP code 65109? ▼
What are the main industries in ZIP code 65109? ▼
How have home values changed in ZIP code 65109? ▼
What is the education level in ZIP code 65109? ▼
What is the average commute time in ZIP 65109? ▼
What percentage of residents own vs. rent in ZIP 65109? ▼
What is the poverty rate in ZIP code 65109? ▼
ZIP Code Research Guides
Official Data Resources for Jefferson City, MO
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.