65251 ZIP Code — Fulton, MO

Callaway County, Missouri

ZIP code 65251 is located in Fulton, Missouri, within Callaway County. It covers approximately 213.02 square miles and serves a population of 21,172 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 65251

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $175,900. Owner-occupancy sits near the national average at 73%.

Median household income is $69,195. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

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

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

21,172

population

213.02

sq mi land

Standard

ZIP type

Central (CT)

timezone

65251 ZIP code map

Cities in ZIP code 65251

Below are the cities the US Postal Service accepts for ZIP code 65251. Using any city not on this list may result in mail delivery delays.

City	Status
Fulton	Acceptable
Fulton	Preferred

Nearby ZIP codes

65262 Kingdom City (8.9 mi) 65077 Steedman (10.1 mi) 65063 New Bloomfield (10.5 mi) 65059 Mokane (10.8 mi) 65231 Auxvasse (12.5 mi) 65080 Tebbetts (12.6 mi) 63388 Williamsburg (13.1 mi) 65067 Portland (13.3 mi) 65043 Holts Summit (15.8 mi) 65201 Columbia (16.6 mi) 65010 Ashland (16.8 mi) 65016 Bonnots Mill (17.1 mi)

Demographics updated 05/2026

Population
Total population	21,172
Population density	99 / sq mi
State FIPS	29
County FIPS	027

Geography
Land area	213.02 sq mi
Water area	2.77 sq mi
Latitude	38.8259
Longitude	-91.9529
Timezone	Central (CT)
Area code	573

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.6%	40.1%	43.8%
$50k – $100k	37.7%	38.9%	31.5%
$100k – $200k	17.2%	18.8%	19.5%
Over $200k	2.5%	2.2%	5.2%

Demographics & statistics

21,172

Population

People per sq mi

38.5

Median age

$69,195

Median household income

$31,429

Per capita income

$175,900

Median home value

$782

Median monthly rent

72.6%

Home ownership

7.9%

Poverty rate

7.0%

Unemployment

6,083

Housing units

25.6%

Bachelor's or higher

Age distribution

Male Female

570

Under 5

486

602

5–9

514

542

10–14

462

750

15–19

640

1,076

20–24

919

1,353

25–34

1,156

1,738

35–44

1,485

1,272

45–54

1,086

960

55–59

819

688

60–64

587

1,133

65–74

967

559

75–84

477

179

85+

152

← Male

Female →

Age summary

Group	Count	%
Under 18	3,706	17.5%
18 and over	17,466	82.5%
65 and over	3,467	16.4%
Median age	38.5 years

Race & ethnicity

White 87.3%

Black or African American 6.4%

Two or more races 3.4%

Hispanic or Latino 1.6%

Other race 0.9%

American Indian / Alaska Native 0.2%

Asian 0.2%

Group	Count	%
White	18,783	87.3%
Black or African American	1,382	6.4%
Two or more races	728	3.4%
Hispanic or Latino	336	1.6%
Other race	184	0.9%
American Indian / Alaska Native	51	0.2%
Asian	44	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.6%	40.1%	43.8%
$50k – $100k	37.7%	38.9%	31.5%
$100k – $200k	17.2%	18.8%	19.5%
Over $200k	2.5%	2.2%	5.2%

Under $10k 4.7%

$10k–$15k 1.5%

$15k–$25k 9.0%

$25k–$35k 7.0%

$35k–$50k 11.2%

$50k–$75k 20.4%

$75k–$100k 16.0%

$100k–$150k 20.3%

$150k–$200k 5.7%

$200k+ 4.2%

Range	% of households
Under $10k	4.7%
$10k–$15k	1.5%
$15k–$25k	9.0%
$25k–$35k	7.0%
$35k–$50k	11.2%
$50k–$75k	20.4%
$75k–$100k	16.0%
$100k–$150k	20.3%
$150k–$200k	5.7%
$200k+	4.2%
Median income	$69,195

Housing

Home values

Under $50k 4.6%

$50k–$100k 17.8%

$100k–$150k 20.2%

$150k–$200k 18.0%

$200k–$300k 20.1%

$300k–$500k 16.3%

$500k–$1M 2.5%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$175,900
Median rent / month	$782
Owner occupied	72.6%
Renter occupied	27.4%
Vacant	12.8%
Single-family detached	70.5%
Large apartment buildings	0.9%
Mobile homes	10.0%
Median rooms	5.6
Avg household size (owned)	2.61

Year built

Era	%
2020 or later	0.6%
2010–2019	6.2%
2000–2009	15.2%
1990–1999	15.2%
1980–1989	12.3%
1970–1979	16.0%
1960–1969	11.6%
1950–1959	7.1%
1940–1949	2.2%
1939 or earlier	13.7%

Bedrooms

Size	% of units
No bedroom (studio)	2.5%
1 bedroom	7.1%
2 bedrooms	25.9%
3 bedrooms	47.5%
4 bedrooms	11.2%
5+ bedrooms	5.9%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	26.9%
2 vehicles	37.5%
3 or more	31.5%

Heating fuel

Fuel type	%
Utility gas	26.5%
Electricity	48.4%
Propane / LP gas	20.0%
Fuel oil	0.7%
Wood	3.8%

Households & families

Household type	Count	%
Married-couple family	3,509	50.4%
Cohabiting couple	498	7.1%
Male householder, no spouse	1,290	18.5%
Female householder, no spouse	1,672	24.0%
Households with children under 18	2,081	29.9%
Households with seniors (65+)	2,345	33.6%
Average household size	2.52

Marital status

Status	Male	Female
Never married	36.0%	29.1%
Married	43.8%	48.2%
Separated	1.0%	0.3%
Widowed	3.9%	9.7%
Divorced	15.3%	12.7%

Education

Less than 9th grade 2.2%

Some HS, no diploma 8.7%

HS graduate 34.9%

Some college, no degree 20.6%

Associate's degree 8.0%

Bachelor's degree 16.0%

Graduate / professional 9.6%

Metric	%
HS diploma or higher	89.0%
Bachelor's or higher	25.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	254	5.5%
Kindergarten	115	2.5%
Elementary school	1,769	38.0%
High school	652	14.0%
College / grad school	1,863	40.0%

Employment

Industry of employment

Education & healthcare 26.6%

Retail trade 16.4%

Manufacturing 10.0%

Transportation & utilities 7.8%

Arts, food & hospitality 7.3%

Professional & management 6.5%

Public administration 5.7%

Other services 5.5%

Construction 4.6%

Finance & real estate 4.4%

Agriculture & mining 2.3%

Wholesale trade 1.5%

Information 1.5%

Occupation

Category	%
Management, business & arts	38.6%
Service	18.2%
Sales & office	21.0%
Natural resources & construction	6.6%
Production & transportation	15.6%

Employment type

Type	%
Private sector	79.8%
Government	16.0%
Self-employed	4.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.6%
Carpool	8.5%
Public transit	0.9%
Walk	4.1%
Work from home	6.6%
Other means	0.2%
Avg commute (minutes)	22.3

Poverty

All people 7.9%

Under 18 years 9.4%

18 and over 7.6%

Married-couple families 3.0%

Female-led households 18.6%

Income support

Source	% of households
Social Security	38.4%
Retirement income	32.1%
Supplemental Security	2.8%
Cash public assistance	1.4%
Food stamps / SNAP	7.0%

Health indicators

Condition	%
Obesity	33.9%
High blood pressure	30.2%
High cholesterol	31.9%
Diabetes	9.2%
Heart disease	6.1%
Stroke	3.0%
Asthma	9.9%
Arthritis	24.5%
Kidney disease	2.6%
Pulmonary disease	7.7%
Cancer	5.7%

Behavior / access	%
Smoking	21.6%
Binge drinking	19.0%
No physical activity	26.0%
Less than 7 hrs sleep	34.2%
Depression	25.1%
Fair or poor health	16.3%
Poor mental health	16.8%
Poor physical health	11.2%
No health insurance	17.5%
Visited doctor (checkup)	72.1%
Visited dentist	58.4%
Cholesterol screening	84.5%
Teeth loss	20.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,390	8.0%

Disability	%
Any disability	12.6%
Under 18	2.4%
18–64 years	11.1%
65 and over	29.8%

Health insurance coverage

Type	%
Private insurance	73.6%
Public insurance	30.2%
No insurance	10.9%
Uninsured under 19	10.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	20,116	95.0%
Spanish	110	0.5%
Other Indo-European	56	0.3%
Asian & Pacific Islander	54	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,983	99.1%
Born in same state	20,884	98.6%
Born in different state	15,062	71.1%
Foreign born	99	0.5%
Naturalized citizen	189	0.9%
Not a US citizen	92	48.7%

Ancestry

Ancestry	Count	%
French	2,167	10.2%
Italian	1,907	9%
Arab	1,281	6.1%
English	225	1.1%
Polish	181	0.9%

Ancestry	Count	%
Dutch	150	0.7%
Norwegian	53	0.3%
Irish	19	0.1%
German	15	0.1%

Technology access

Metric	% of households
Computer access	32.9%
Internet access	93.5%

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

Frequently asked questions about ZIP code 65251

What city is ZIP code 65251 in?

ZIP code 65251 is primarily assigned to Fulton, Missouri.

What county is ZIP code 65251 in?

ZIP code 65251 falls within Callaway County, Missouri.

Does ZIP code 65251 have a large retiree population?

38% of households in ZIP code 65251 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 65251?

The median home value in ZIP code 65251 is $175,900.

What is the population of ZIP code 65251?

ZIP code 65251 has an estimated population of 21,172 residents, with a density of 99 people per square mile.

What is the median household income in ZIP code 65251?

The median household income in ZIP code 65251 is $69,195, below the national median of ~$75,000.

What timezone is ZIP code 65251 in?

ZIP code 65251 observes the CST timezone.