Rolla, MO · standard
ZIP Code 65401
Phelps County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 32,383
- 47/sq mi Moderate-density area
- $56,081
- Median income Below-median income area
- $222,800
- Median home value Near-median home value
- 36.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Rolla pairs one of the lowest household incomes in the country with above-median home values, in a rural, mixed-tenure area.
- 23rd pct
- household income, US ZIPs
- Top 50%
- home value, US ZIPs
- 47
- people per sq mi
- 56%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 65401 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 65401 (Rolla, MO) rose +2.9% from 2023 to 2024. The all-transactions index moved from 210.6 in 2023 to 216.7 in 2024 (2000 = 100).
ZIP code 65401 is a densely settled ZIP (a standard USPS delivery area) in Rolla, Phelps County, Missouri, with 32,383 residents across 684.6 square miles, a density of 47 people per square mile, in the Chicago time zone.
ZIP 65401 reports a modest median household income of $56,081 (16% below the average Missouri ZIP), while per-capita income is $30,633. The poverty rate is 17.2%, with unemployment at 3.3%; those measures add context to the income figure. Median home value is $222,800 (17% above the average Missouri ZIP) and median rent is $796; 55.5% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 36.0% of adults hold a bachelor's degree or higher, the median age is 33.8, and the average commute is 16 minutes. No nearby ZIP peer set is available for this delivery area, so the Missouri and national benchmarks above are the appropriate context for 65401.
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 65401
Top 5 sectors by establishment count in Rolla, MO
Which industries have the most business establishments in ZIP 65401.
- Retail trade
Retail trade
143 establishments
- Health care and social assistance
Health care and social assistance
127 establishments
- Accommodation and food services
Accommodation and food services
93 establishments
- Other services (except public administration)
Other services (except public administration)
86 establishments
- Finance and insurance 57
Finance and insurance
57 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 65401, Rolla, 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
32,383
Population
684.6
Area (sq mi)
47
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 65401?
33.8
Median Age
53.7%
Male
46.3%
Female
5.6%
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?
$56,081
Median Household Income
-16% vs state ZIP avg
$30,633
Per Capita Income
17.2%
Poverty Rate
3.3%
Unemployment Rate
16.1 min
Mean Commute Time
How ZIP 65401 ranks nationally
Rolla, MO household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$56,081 23rd percentile higher than 23% 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
14,544housing units
14,544
Total Housing Units
12,773
Occupied Units
1,771
Vacant Units
2.35
Avg Household Size
Occupancy Type
$222,800
Median Home Value
+17% vs state ZIP avg
$796
Median Rent
1985
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
+2.9%
YoY Change (2024)
217
HPI Index (2000 = 100)
+117%
Total Change Since 2000
Home values in ZIP 65401 have increased 2.9% over the past year (2024). Since 2000, this ZIP has seen +117% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.5% | 150 |
| 2021 | +11.4% | 167 |
| 2022 | +15.7% | 193 |
| 2023 | +9.1% | 211 |
| 2024 | +2.9% | 217 |
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 800 business establishments in ZIP 65401, employing approximately 12,051 people with a combined annual payroll of $534,277,000.
800
Businesses
12,051
Employees
$534.3M
Annual Payroll
18
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 143 | 17.9% |
| Health care and social assistance | 127 | 15.9% |
| Accommodation and food services | 93 | 11.6% |
| Other services (except public administration) | 86 | 10.8% |
| Finance and insurance | 57 | 7.1% |
| Construction | 55 | 6.9% |
| Professional, scientific, and technical services | 47 | 5.9% |
| Real estate and rental and leasing | 31 | 3.9% |
| Transportation and warehousing | 30 | 3.8% |
| Administrative and support and waste management and remediation services | 30 | 3.8% |
| Wholesale trade | 29 | 3.6% |
| Manufacturing | 22 | 2.8% |
| Information | 16 | 2.0% |
| Arts, entertainment, and recreation | 12 | 1.5% |
| Educational services | 10 | 1.3% |
| Mining, quarrying, and oil and gas extraction | 3 | 0.4% |
| Management of companies and enterprises | 3 | 0.4% |
| Industries not classified | 3 | 0.4% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 65401, 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 (32,383 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Phelps County
Related Areas
Frequently Asked Questions
What county is ZIP code 65401 in?
ZIP code 65401 (Rolla) is located in Phelps County, Missouri. Phelps County contains multiple ZIP codes, see the full list at /counties/phelps-mo.
What is the population of ZIP code 65401?
ZIP code 65401 in Rolla, MO has a population of 32,383 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 65401?
The median household income in ZIP 65401 is $56,081, which is 26% below the national average of $76,288.
What is the average home value in ZIP 65401?
The median home value in ZIP 65401 is $222,800, which is 20% below the national average of $278,155.
What is the demographic makeup of ZIP 65401?
The largest racial group in ZIP 65401 is White at 85.2%. Hispanic or Latino residents make up 3.3% of the population.
How many businesses are in ZIP code 65401?
ZIP code 65401 has 800 business establishments employing approximately 12,051 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 65401?
The top industries by establishment count in ZIP 65401 are: Retail trade (143), Health care and social assistance (127), Accommodation and food services (93). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 65401?
According to the FHFA House Price Index, home values in ZIP 65401 increased by 2.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 117%. 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 65401?
In ZIP code 65401, 66.5% of residents aged 25+ have a high school diploma or higher, and 36.0% 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 65401?
The mean commute time for workers in ZIP code 65401 is 16.1 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 65401?
In ZIP code 65401, approximately 55.5% of occupied housing units are owner-occupied and 44.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 65401?
The poverty rate in ZIP code 65401 is 17.2% 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 65401's numbers, next.
- See how ZIP 65401 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Rolla, 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.