PlainZIP

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
$56,081
Median income
$222,800
Median home value
36.0%
Bachelor's or higher

The verdict

Rolla pairs one of the lowest household incomes in the country with above-median home values, in a rural, mixed-tenure area.

23th 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.

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 Missouri average), while per-capita income is $30,633. 17.2% of residents live below the poverty line, and the unemployment rate reads 3.3%. Housing costs here run $222,800 for a typical home value (17% above the state average), with rent averaging $796 a month; 55.5% of 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. Compare these figures to the Missouri and national benchmarks above rather than reading 65401's numbers in isolation.

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.

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 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

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 65401?

33.8

Median Age

53.7%

Male

46.3%

Female

5.6%

Foreign-Born

White 85.2%
African American 3.2%
Asian 5.1%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.4%
Hispanic or Latino 3.3%

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

$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

$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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 66.5%
Bachelor's Degree or Higher 36.0%

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

What does housing look like?

14,544

Total Housing Units

12,773

Occupied Units

1,771

Vacant Units

2.35

Avg Household Size

Occupancy Type

Owner 55.5%
Renter 44.5%

$222,800

Median Home Value

+17% vs state

$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.

More ZIP Codes in Phelps County

65559 standard
Saint James, MO
Pop: 9,385
65550 standard
Newburg, MO
Pop: 3,127
65462 standard
Edgar Springs, MO
Pop: 1,593
65529 standard
Jerome, MO
Pop: 232
65461 standard
Duke, MO
Pop: 105
65436 standard
Beulah, MO
Pop: 91

Related Areas

Phelps County Rolla, MO Missouri

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.

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