Residential delivery area · Missouri
ZIP Code 65109: Jefferson City, MO
ZIP code 65109 uses the postal name Jefferson City, Missouri and lies entirely in Cole County (Census 2020 ZIP-county file). About 41,000 people live there (Census Bureau, ACS 2020-2024), the more populous of Jefferson City's 2 residential ZIP codes. Median household income is $74,694 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Jefferson City (20%) and St. Martins (2%); 78% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Jefferson City · 2 residential ZIPs
- County
- Cole County
- Census places
- Jefferson City (20%); St. Martins (2%)
- Metro area
- Jefferson City, MO
- House district
- MO-3 119th Congress
- State
- Missouri
- Time zone
- Central
- Land area
- 80.7 sq mi · 510 people per sq mi
- PO Box ZIPs
- 9 more ZIP codes use the name Jefferson City for PO boxes or single organizations
Where is ZIP code 65109?
65109 centers on 38.573°, -92.277° and covers 80.7 square miles of land plus 1.7 of water. It borders 7 ZIP codes: 65053, 65023, 65101, 65039, 65074, 65040, 65032.
The map draws ZIP code areas only. For the streets inside 65109, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 65109 compare with the rest of Jefferson City?
| Measure | 65109 | In Jefferson City | In Cole County | In MO |
|---|---|---|---|---|
| People (ACS 2020-2024) | 41,145 | 1st of 2 | 1st of 8 | 24th of 1,035 |
| Median household income | $75k | 2nd of 2 | 4th of 5 | 171st of 479 |
| Median home value | $222k | 2nd of 2 | 4th of 6 | 191st of 494 |
Its median household income is higher than in 54% of U.S. residential ZIP codes, and it is denser than 72% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 65109?
The 2020 Census counted 39,730 people in 65109; the ACS, which samples households over 2020-2024, estimates 41,145. Between the 2010 and 2020 censuses its population grew 4.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 41,145
- 2020 Census count
- 39,730+4.3% since 2010 (38,090)
- Households
- 17,306
- Median age
- 40.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 65109?
Of the 41,145 people the ACS estimates in 65109, 22.6% are under 18 and 19.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (81.2%).
- Under 1822.6%
- 18 to 6457.8%
- 65 and older19.6%
- White, not Hispanic81.2%
- Black, not Hispanic6.6%
- Other or two or more5.8%
- Hispanic or Latino4.1%
- Asian, not Hispanic2.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 65109 earn?
Median household income is $74,694 (ACS 2020-2024), the 4th highest of the 5 ranked ZIP codes in Cole County. It is not measurably different from 2015-2019 ($76,174 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $74,694
- Income per person
- $41,141
- Below the poverty line
- 8.5%
- Unemployed (of the labor force)
- 2.9%
- Adults 25+ with a bachelor's degree
- 45.3%
- Adjusted gross income per tax return, 2022
- $75,10319,770 returns; wages 63% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 65109?
FHFA's house price index for 65109, built from repeat sales and appraisals of the same homes, rose 91% from 2015 to 2025 and rose 68% from 2020 to 2025, and moved +8.7% in 2025.
- Median home value (owners' estimate)
- $221,600
- Median gross rent
- $861
- Homes owned by their occupants
- 66.7%
- Housing units
- 18,329
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 65109?
1,174 business establishments had a location in this ZIP code in 2023, 19 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance177
- Retail trade166
- Other services (except public administration)131
- Construction111
- Accommodation and food services107
- Professional, scientific, and technical services100
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 65109?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 65053 | Lohman | 1,813 | $121k | 5.5 mi |
| 65023 | Centertown | 1,566 | $73k | 8.5 mi |
| 65101 | Jefferson City | 28,793 | $75k | 9.4 mi |
| 65039 | Hartsburg | 3,076 | $126k | 9.6 mi |
| 65074 | Russellville | 2,936 | $75k | 12.0 mi |
| 65040 | Henley | 1,468 | $89k | 15.6 mi |
| 65032 | Eugene | 1,491 | $63k | 16.6 mi |
| 65043 | Holts Summit | 10,120 | $85k | 10.0 mi (near) |
| 65076 | Saint Thomas | 515 | $64k | 14.1 mi (near) |
| 65063 | New Bloomfield | 3,372 | $78k | 14.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.