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 classified by USPS as a standard delivery area and covers roughly 684.6 square miles in Rolla, Phelps County, Missouri. The area is home to 32,383 residents, producing a population density of 47 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 65401 against Missouri and the nation.
On the economic side, the median household income for ZIP 65401 sits at $56,081 (16% below the Missouri average), while per-capita income is $30,633. The poverty rate stands at 17.2% and the unemployment rate at 3.3%. On housing, the median home value is $222,800 (17% above the state average) with median rent at $796 per month, and 55.5% of occupied units are owner-occupied, a direct signal of whether 65401 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 36.0% of adults hold a bachelor's degree or higher, the median age is 33.8, and the average commute is 16 minutes. Use the benchmarks above to see where 65401 sits relative to Missouri and the national baseline rather than viewing the numbers in isolation. 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 65401
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$30,633
Per Capita Income
17.2%
Poverty Rate
3.3%
Unemployment Rate
16.1 min
Mean Commute Time
How ZIP 65401 ranks nationally
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?
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
$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
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Frequently Asked Questions
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ZIP Code Research Guides
Official Data Resources for Rolla, MO
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.