64020 ZIP Code — Concordia, MO

Lafayette County, Missouri

ZIP code 64020 is located in Concordia, Missouri, within Lafayette County. It covers approximately 105.63 square miles and serves a population of 3,044 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 660.

About ZIP code 64020

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $174,800. Owner-occupancy sits near the national average at 65%.

Median household income is $62,583. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 22 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

3,044
population
105.63
sq mi land
Standard
ZIP type
Central (CT)
timezone
64020 ZIP code map
Cities in ZIP code 64020

Below are the cities the US Postal Service accepts for ZIP code 64020. Using any city not on this list may result in mail delivery delays.

City Status
Concordia Acceptable
Concordia Preferred
Nearby ZIP codes
64037 Higginsville (7 mi) 65351 Sweet Springs (8.5 mi) 64021 Corder (11.1 mi) 64001 Alma (11.3 mi) 65336 Knob Noster (13.1 mi) 64093 Warrensburg (13.3 mi) 65321 Blackburn (13.5 mi) 64071 Mayview (13.7 mi) 65337 La Monte (15.7 mi) 64022 Dover (16.4 mi) 65333 Houstonia (16.4 mi) 64076 Odessa (16.9 mi)
Demographics updated 05/2026
Population
Total population 3,044
Population density 29 / sq mi
State FIPS 29
County FIPS 107
Geography
Land area 105.63 sq mi
Water area 1.11 sq mi
Latitude 38.9584
Longitude -93.6033
Timezone Central (CT)
Area code 660
Total population by age
Gender
Race & ethnicity
Economics updated 05/2026
Household income
Income range This ZIP County avg State avg
Under $50k 43.5% 41.0% 43.8%
$50k – $100k 29.2% 32.0% 31.5%
$100k – $200k 21.4% 22.6% 19.5%
Over $200k 5.8% 4.5% 5.2%

Demographics & statistics

3,044
Population
29
People per sq mi
49.4
Median age
$62,583
Median household income
$35,204
Per capita income
$174,800
Median home value
$753
Median monthly rent
64.9%
Home ownership
12.4%
Poverty rate
0.5%
Unemployment
1,104
Housing units
22.3%
Bachelor's or higher

Age distribution

Male Female
109
Under 5
102
126
5–9
118
49
10–14
47
63
15–19
60
93
20–24
88
154
25–34
145
125
35–44
117
254
45–54
239
149
55–59
141
121
60–64
114
135
65–74
127
120
75–84
113
69
85+
66
← Male
Female →

Age summary

GroupCount%
Under 1866721.9%
18 and over2,37778.1%
65 and over63020.7%
Median age49.4 years

Race & ethnicity

White 97.2%
Two or more races 1.2%
Hispanic or Latino 0.6%
Black or African American 0.5%
Other race 0.5%
GroupCount%
White2,97697.2%
Two or more races361.2%
Hispanic or Latino190.6%
Black or African American160.5%
Other race160.5%

Household income

Income range This ZIP County avg State avg
Under $50k 43.5% 41.0% 43.8%
$50k – $100k 29.2% 32.0% 31.5%
$100k – $200k 21.4% 22.6% 19.5%
Over $200k 5.8% 4.5% 5.2%
Under $10k 5.2%
$10k–$15k 5.9%
$15k–$25k 7.8%
$25k–$35k 8.3%
$35k–$50k 10.5%
$50k–$75k 16.1%
$75k–$100k 18.7%
$100k–$150k 12.7%
$150k–$200k 6.9%
$200k+ 7.8%
Range% of households
Under $10k5.2%
$10k–$15k5.9%
$15k–$25k7.8%
$25k–$35k8.3%
$35k–$50k10.5%
$50k–$75k16.1%
$75k–$100k18.7%
$100k–$150k12.7%
$150k–$200k6.9%
$200k+7.8%
Median income$62,583

Housing

Home values

Under $50k 2.4%
$50k–$100k 21.0%
$100k–$150k 17.0%
$150k–$200k 22.0%
$200k–$300k 24.7%
$300k–$500k 8.0%
$500k–$1M 3.8%
$1M+ 1.1%

Housing overview

MetricValue
Median home value$174,800
Median rent / month$753
Owner occupied64.9%
Renter occupied35.1%
Vacant20.7%
Single-family detached79.2%
Large apartment buildings3.0%
Mobile homes2.4%
Median rooms6.2
Avg household size (owned)2.41

Year built

Era%
2020 or later0.0%
2010–20193.0%
2000–20093.5%
1990–19998.9%
1980–19899.3%
1970–197916.3%
1960–196914.8%
1950–195914.4%
1940–19499.2%
1939 or earlier20.5%

Bedrooms

Size% of units
No bedroom (studio)2.8%
1 bedroom14.4%
2 bedrooms19.8%
3 bedrooms40.4%
4 bedrooms12.9%
5+ bedrooms9.6%

Vehicles per household

Vehicles% of households
No vehicle6.5%
1 vehicle27.1%
2 vehicles41.7%
3 or more24.6%

Heating fuel

Fuel type%
Utility gas52.6%
Electricity36.4%
Propane / LP gas8.5%
Wood2.3%
No fuel used0.2%

Households & families

Household typeCount%
Married-couple family65554.0%
Cohabiting couple13311.0%
Male householder, no spouse16813.8%
Female householder, no spouse25721.2%
Households with children under 1835128.9%
Households with seniors (65+)42635.1%
Average household size2.41

Marital status

StatusMaleFemale
Never married24.2%25.5%
Married57.1%50.8%
Separated0.0%2.4%
Widowed10.4%12.5%
Divorced8.4%8.8%

Education

Less than 9th grade 2.1%
Some HS, no diploma 3.3%
HS graduate 39.6%
Some college, no degree 20.8%
Associate's degree 11.8%
Bachelor's degree 14.8%
Graduate / professional 7.5%
Metric%
HS diploma or higher94.6%
Bachelor's or higher22.3%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool498.3%
Kindergarten447.4%
Elementary school25843.7%
High school13122.2%
College / grad school10918.4%

Employment

Industry of employment

Manufacturing 23.2%
Education & healthcare 20.3%
Retail trade 12.9%
Construction 6.9%
Arts, food & hospitality 6.6%
Public administration 6.2%
Finance & real estate 6.0%
Other services 5.0%
Professional & management 4.9%
Agriculture & mining 3.4%
Transportation & utilities 3.2%
Information 1.2%
Wholesale trade 0.3%

Occupation

Category%
Management, business & arts32.0%
Service12.8%
Sales & office20.1%
Natural resources & construction12.3%
Production & transportation22.9%

Employment type

Type%
Private sector84.2%
Government12.2%
Self-employed3.2%
Unpaid family workers0.4%

Commute

Method%
Drive alone75.6%
Carpool11.6%
Public transit0.1%
Walk3.1%
Work from home8.4%
Other means1.2%
Avg commute (minutes)21.8

Poverty

All people 12.4%
Under 18 years 10.6%
18 and over 12.9%
Married-couple families 1.2%
Female-led households 16.3%

Income support

Source% of households
Social Security36.9%
Retirement income28.4%
Supplemental Security6.7%
Cash public assistance0.6%
Food stamps / SNAP8.2%

Health indicators

Condition%
Obesity37.3%
High blood pressure33.8%
High cholesterol35.6%
Diabetes11.0%
Heart disease8.2%
Stroke3.6%
Asthma9.1%
Arthritis29.9%
Kidney disease3.2%
Pulmonary disease8.5%
Cancer8.3%
Behavior / access%
Smoking18.8%
Binge drinking16.0%
No physical activity28.9%
Less than 7 hrs sleep31.5%
Depression22.1%
Fair or poor health16.1%
Poor mental health14.3%
Poor physical health11.7%
No health insurance14.7%
Visited doctor (checkup)74.3%
Visited dentist60.0%
Cholesterol screening89.5%
Teeth loss18.0%

Veterans & disability

VeteransCount%
Civilian veterans1667.0%
Disability%
Any disability13.0%
Under 181.2%
18–64 years12.1%
65 and over29.6%

Health insurance coverage

Type%
Private insurance70.8%
Public insurance35.4%
No insurance9.2%
Uninsured under 196.1%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only2,83393.1%
Spanish40.1%
Other Indo-European40.1%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)3,03999.8%
Born in same state3,03999.8%
Born in different state2,36477.7%
Foreign born00.0%
Naturalized citizen50.2%
Not a US citizen5100.0%

Ancestry

AncestryCount%
French44114.5%
Arab2608.5%
Italian2046.7%
English270.9%
Polish130.4%
AncestryCount%
Dutch100.3%
German40.1%
Irish40.1%
Norwegian40.1%

Technology access

Metric% of households
Computer access39.8%
Internet access88.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 64020

What city is ZIP code 64020 in?

ZIP code 64020 is primarily assigned to Concordia, Missouri.

What county is ZIP code 64020 in?

ZIP code 64020 falls within Lafayette County, Missouri.

Does ZIP code 64020 have a large retiree population?

37% of households in ZIP code 64020 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 64020?

The median home value in ZIP code 64020 is $174,800.

What is the population of ZIP code 64020?

ZIP code 64020 has an estimated population of 3,044 residents, with a density of 29 people per square mile.

What is the median household income in ZIP code 64020?

The median household income in ZIP code 64020 is $62,583, below the national median of ~$75,000.

What timezone is ZIP code 64020 in?

ZIP code 64020 observes the CST timezone.

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