PlainZIP

Fulton, MO · standard

ZIP Code 65251

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

22,437
40/sq mi
$63,072
Median income
$177,300
Median home value
23.4%
Bachelor's or higher

The verdict

Fulton pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

35th pct
household income, US ZIPs
37th pct
home value, US ZIPs
40
people per sq mi
67%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 65251 against every reporting US ZIP.

ZIP code 65251 is classified by USPS as a standard delivery area and covers roughly 558.1 square miles in Fulton, Callaway County, Missouri. The area is home to 22,437 residents, producing a population density of 40 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 65251 against Missouri and the nation.

On the economic side, the median household income for ZIP 65251 sits at $63,072 (6% below the Missouri average), while per-capita income is $31,048. The poverty rate stands at 12.9% and the unemployment rate at 7.0%. On housing, the median home value is $177,300 (7% below the state average) with median rent at $858 per month, and 66.9% of occupied units are owner-occupied, a direct signal of whether 65251 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 23.4% of adults hold a bachelor's degree or higher, the median age is 36.8, and the average commute is 22 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Callaway County, so you can benchmark 65251 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 65251

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 65251.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 65251, Fulton, 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

22,437

Population

558.1

Area (sq mi)

40

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 65251?

36.8

Median Age

52.9%

Male

47.1%

Female

1.2%

Foreign-Born

White 86.0%
African American 5.8%
Asian 0.2%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.5%
Hispanic or Latino 2.1%

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?

$63,072

Median Household Income

-6% vs state

$31,048

Per Capita Income

12.9%

Poverty Rate

7.0%

Unemployment Rate

22.1 min

Mean Commute Time

How ZIP 65251 ranks nationally

Household income vs. every US ZIP code

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

$63,072 35th percentile higher than 35% 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 59.3%
Bachelor's Degree or Higher 23.4%

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

What does housing look like?

8,637

Total Housing Units

7,789

Occupied Units

848

Vacant Units

2.45

Avg Household Size

Occupancy Type

Owner 66.9%
Renter 33.1%

$177,300

Median Home Value

-7% vs state

$858

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

+15.8%

YoY Change (2024)

249

HPI Index (2000 = 100)

+149%

Total Change Since 2000

Home values in ZIP 65251 have increased 15.8% over the past year (2024). Since 2000, this ZIP has seen +149% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.0% 155
2021 +10.0% 171
2022 +17.4% 201
2023 +7.4% 215
2024 +15.8% 249

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 413 business establishments in ZIP 65251, employing approximately 6,317 people with a combined annual payroll of $279,046,000.

413

Businesses

6,317

Employees

$279.0M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 69 16.7%
Construction 52 12.6%
Other services (except public administration) 49 11.9%
Health care and social assistance 48 11.6%
Accommodation and food services 40 9.7%
Finance and insurance 33 8.0%
Professional, scientific, and technical services 25 6.0%
Real estate and rental and leasing 21 5.1%
Manufacturing 20 4.8%
Administrative and support and waste management and remediation services 20 4.8%
Wholesale trade 8 1.9%
Information 8 1.9%
Transportation and warehousing 7 1.7%
Arts, entertainment, and recreation 5 1.2%
Educational services 4 1.0%

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 65251 vs 65262 →

ZIP 65251 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 65251 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 65251 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 65251 ranks #4 of 4 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
65262 Kingdom City, MO 955 7.6 mi
65063 New Bloomfield, MO 3,412 10.3 mi
65059 Mokane, MO 867 11.8 mi

More ZIP Codes in Callaway County

65043 standard
Holts Summit, MO
Pop: 9,452
65063 standard
New Bloomfield, MO
Pop: 3,412
65231 standard
Auxvasse, MO
Pop: 3,334
65080 standard
Tebbetts, MO
Pop: 1,015
65262 standard
Kingdom City, MO
Pop: 955
65059 standard
Mokane, MO
Pop: 867

Related Areas

Callaway County Fulton, MO Missouri

Frequently Asked Questions

What county is ZIP code 65251 in? ▼
ZIP code 65251 (Fulton) is located in Callaway County, Missouri. Callaway County contains multiple ZIP codes, see the full list at /counties/callaway-mo.
What is the population of ZIP code 65251? ▼
ZIP code 65251 in Fulton, MO has a population of 22,437 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 65251? ▼
The median household income in ZIP 65251 is $63,072, which is 17% below the national average of $76,288.
What is the average home value in ZIP 65251? ▼
The median home value in ZIP 65251 is $177,300, which is 36% below the national average of $278,155.
What is the demographic makeup of ZIP 65251? ▼
The largest racial group in ZIP 65251 is White at 86.0%. Hispanic or Latino residents make up 2.1% of the population.
How many businesses are in ZIP code 65251? ▼
ZIP code 65251 has 413 business establishments employing approximately 6,317 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 65251? ▼
The top industries by establishment count in ZIP 65251 are: Retail trade (69), Construction (52), Other services (except public administration) (49). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 65251? ▼
According to the FHFA House Price Index, home values in ZIP 65251 increased by 15.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 149%. 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 65251? ▼
In ZIP code 65251, 59.3% of residents aged 25+ have a high school diploma or higher, and 23.4% 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 65251? ▼
The mean commute time for workers in ZIP code 65251 is 22.1 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 65251? ▼
In ZIP code 65251, approximately 66.9% of occupied housing units are owner-occupied and 33.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 65251? ▼
The poverty rate in ZIP code 65251 is 12.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Fulton, MO

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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