64640 ZIP Code — Gallatin, MO

Daviess County, Missouri

ZIP code 64640 is located in Gallatin, Missouri, within Daviess County. It covers approximately 143.94 square miles and serves a population of 3,070 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 660.

About ZIP code 64640

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 $154,900. Owner-occupancy sits near the national average at 72%.

Median household income is $54,811. Poverty affects 22% of residents, above the national average. 44% 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 26 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 (24%) compared to national benchmarks.

Overall, ZIP code 64640 reflects a community defined by economic challenges above the national average and a significant Social Security-dependent population.

3,070

population

143.94

sq mi land

Standard

ZIP type

Central (CT)

timezone

64640 ZIP code map

Cities in ZIP code 64640

Below are the cities the US Postal Service accepts for ZIP code 64640. Using any city not on this list may result in mail delivery delays.

City	Status
Gallatin	Acceptable
Gallatin	Preferred

Nearby ZIP codes

64620 Altamont (7.7 mi) 64647 Jameson (9.4 mi) 64689 Winston (10.7 mi) 64625 Breckenridge (11.3 mi) 64644 Hamilton (11.5 mi) 64649 Kidder (12.3 mi) 64648 Jamesport (12.5 mi) 64497 Weatherby (13.9 mi) 64670 Pattonsburg (14.9 mi) 64636 Coffey (15 mi) 64650 Kingston (18.5 mi) 64429 Cameron (19.2 mi)

Demographics updated 05/2026

Population
Total population	3,070
Population density	21 / sq mi
State FIPS	29
County FIPS	061

Geography
Land area	143.94 sq mi
Water area	2.33 sq mi
Latitude	39.8920
Longitude	-93.9484
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	48.2%	45.4%	43.8%
$50k – $100k	34.8%	39.0%	31.5%
$100k – $200k	15.4%	13.2%	19.5%
Over $200k	1.6%	2.5%	5.2%

Demographics & statistics

3,070

Population

People per sq mi

44.6

Median age

$54,811

Median household income

$28,558

Per capita income

$154,900

Median home value

$769

Median monthly rent

72.1%

Home ownership

21.6%

Poverty rate

3.1%

Unemployment

1,561

Housing units

26.0%

Bachelor's or higher

Age distribution

Male Female

105

Under 5

109

106

5–9

110

107

10–14

112

15–19

20–24

134

25–34

140

160

35–44

166

204

45–54

212

55–59

60–64

207

65–74

214

124

75–84

128

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	768	25.0%
18 and over	2,302	75.0%
65 and over	760	24.8%
Median age	44.6 years

Race & ethnicity

White 96%

Two or more races 2.4%

Hispanic or Latino 0.6%

Asian 0.6%

American Indian / Alaska Native 0.4%

Other race 0.1%

Group	Count	%
White	2,964	96%
Two or more races	74	2.4%
Hispanic or Latino	19	0.6%
Asian	17	0.6%
American Indian / Alaska Native	11	0.4%
Other race	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.2%	45.4%	43.8%
$50k – $100k	34.8%	39.0%	31.5%
$100k – $200k	15.4%	13.2%	19.5%
Over $200k	1.6%	2.5%	5.2%

Under $10k 4.2%

$10k–$15k 7.6%

$15k–$25k 7.2%

$25k–$35k 13.0%

$35k–$50k 12.3%

$50k–$75k 24.2%

$75k–$100k 9.9%

$100k–$150k 14.9%

$150k–$200k 4.0%

$200k+ 2.6%

Range	% of households
Under $10k	4.2%
$10k–$15k	7.6%
$15k–$25k	7.2%
$25k–$35k	13.0%
$35k–$50k	12.3%
$50k–$75k	24.2%
$75k–$100k	9.9%
$100k–$150k	14.9%
$150k–$200k	4.0%
$200k+	2.6%
Median income	$54,811

Housing

Home values

Under $50k 13.4%

$50k–$100k 12.6%

$100k–$150k 22.2%

$150k–$200k 11.8%

$200k–$300k 10.8%

$300k–$500k 22.3%

$500k–$1M 4.9%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$154,900
Median rent / month	$769
Owner occupied	72.1%
Renter occupied	27.9%
Vacant	34.5%
Single-family detached	82.5%
Large apartment buildings	2.7%
Mobile homes	7.7%
Median rooms	5.8
Avg household size (owned)	2.33

Year built

Era	%
2020 or later	0.7%
2010–2019	8.1%
2000–2009	14.3%
1990–1999	7.5%
1980–1989	11.1%
1970–1979	15.7%
1960–1969	12.0%
1950–1959	5.2%
1940–1949	3.6%
1939 or earlier	21.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	7.5%
2 bedrooms	23.3%
3 bedrooms	52.6%
4 bedrooms	12.4%
5+ bedrooms	4.2%

Vehicles per household

Vehicles	% of households
No vehicle	6.5%
1 vehicle	21.7%
2 vehicles	39.5%
3 or more	32.3%

Heating fuel

Fuel type	%
Utility gas	31.5%
Electricity	31.4%
Propane / LP gas	25.0%
Wood	9.0%
No fuel used	1.8%

Households & families

Household type	Count	%
Married-couple family	700	56.0%
Cohabiting couple	69	5.5%
Male householder, no spouse	236	18.9%
Female householder, no spouse	246	19.7%
Households with children under 18	401	32.1%
Households with seniors (65+)	481	38.4%
Average household size	2.43

Marital status

Status	Male	Female
Never married	21.2%	20.6%
Married	61.3%	54.3%
Separated	0.8%	2.5%
Widowed	2.0%	11.8%
Divorced	14.8%	10.8%

Education

Less than 9th grade 1.7%

Some HS, no diploma 8.3%

HS graduate 37.9%

Some college, no degree 20.6%

Associate's degree 5.5%

Bachelor's degree 12.8%

Graduate / professional 13.3%

Metric	%
HS diploma or higher	90.0%
Bachelor's or higher	26.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	72	10.5%
Kindergarten	30	4.4%
Elementary school	328	47.7%
High school	200	29.1%
College / grad school	58	8.4%

Employment

Industry of employment

Education & healthcare 16.2%

Manufacturing 15.8%

Retail trade 13.9%

Finance & real estate 10.9%

Public administration 8.6%

Construction 7.5%

Agriculture & mining 7.4%

Arts, food & hospitality 5.9%

Other services 4.2%

Transportation & utilities 3.5%

Professional & management 2.6%

Wholesale trade 2.5%

Information 1.0%

Occupation

Category	%
Management, business & arts	36.6%
Service	12.2%
Sales & office	21.9%
Natural resources & construction	8.9%
Production & transportation	20.5%

Employment type

Type	%
Private sector	68.2%
Government	22.2%
Self-employed	9.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.7%
Carpool	10.9%
Public transit	0.0%
Walk	4.6%
Work from home	5.2%
Other means	0.6%
Avg commute (minutes)	25.9

Poverty

All people 21.6%

Under 18 years 33.6%

18 and over 17.5%

Married-couple families 10.7%

Female-led households 44.8%

Income support

Source	% of households
Social Security	43.5%
Retirement income	32.4%
Supplemental Security	6.6%
Cash public assistance	5.2%
Food stamps / SNAP	15.5%

Health indicators

Condition	%
Obesity	40.0%
High blood pressure	36.9%
High cholesterol	38.8%
Diabetes	13.0%
Heart disease	9.4%
Stroke	4.3%
Asthma	10.0%
Arthritis	32.7%
Kidney disease	3.7%
Pulmonary disease	11.3%
Cancer	8.1%

Behavior / access	%
Smoking	23.7%
Binge drinking	15.2%
No physical activity	30.8%
Less than 7 hrs sleep	33.2%
Depression	25.0%
Fair or poor health	20.7%
Poor mental health	15.9%
Poor physical health	14.3%
No health insurance	16.9%
Visited doctor (checkup)	76.0%
Visited dentist	52.2%
Cholesterol screening	88.5%
Teeth loss	22.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	228	9.9%

Disability	%
Any disability	15.5%
Under 18	7.3%
18–64 years	12.5%
65 and over	30.4%

Health insurance coverage

Type	%
Private insurance	64.5%
Public insurance	47.2%
No insurance	6.9%
Uninsured under 19	1.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,856	93.0%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,066	99.9%
Born in same state	3,066	99.9%
Born in different state	2,018	65.7%
Foreign born	0	0.0%
Naturalized citizen	4	0.1%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	578	18.8%
Italian	348	11.3%
French	330	10.7%

Ancestry	Count	%
English	47	1.5%
Polish	20	0.7%
Norwegian	10	0.3%

Technology access

Metric	% of households
Computer access	40.7%
Internet access	92.0%

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

Frequently asked questions about ZIP code 64640

What city is ZIP code 64640 in?

ZIP code 64640 is primarily assigned to Gallatin, Missouri.

What county is ZIP code 64640 in?

ZIP code 64640 falls within Daviess County, Missouri.

What is the poverty rate in ZIP code 64640?

22% of residents in ZIP code 64640 live below the poverty line, above the national average.

Does ZIP code 64640 have a large retiree population?

44% of households in ZIP code 64640 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 64640?

The median home value in ZIP code 64640 is $154,900.

Does ZIP code 64640 have a large veteran population?

10% of civilians in ZIP code 64640 are veterans, above the national average of ~7%.

What timezone is ZIP code 64640 in?

ZIP code 64640 observes the CST timezone.