65043 ZIP Code — Holts Summit, MO

Callaway County, Missouri

ZIP code 65043 is located in Holts Summit, Missouri, within Callaway County. It covers approximately 58.10 square miles and serves a population of 10,083 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 65043

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $185,700. Owner-occupancy is high at 78%, well above the national average.

Median household income is $77,576. 35% 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 30% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

Overall, ZIP code 65043 reflects a community defined by high homeownership and a significant Social Security-dependent population.

10,083

population

58.10

sq mi land

Standard

ZIP type

Central (CT)

timezone

65043 ZIP code map

Cities in ZIP code 65043

Below are the cities the US Postal Service accepts for ZIP code 65043. Using any city not on this list may result in mail delivery delays.

City	Status
Holts Summit	Acceptable
Holts Summit	Preferred

Nearby ZIP codes

65106 Jefferson City (5.6 mi) 65103 Jefferson City (5.6 mi) 65107 Jefferson City (5.6 mi) 65105 Jefferson City (5.6 mi) 65108 Jefferson City (5.6 mi) 65104 Jefferson City (5.6 mi) 65111 Jefferson City (6.6 mi) 65063 New Bloomfield (6.7 mi) 65080 Tebbetts (6.8 mi) 65016 Bonnots Mill (9.5 mi) 65101 Jefferson City (9.8 mi) 65109 Jefferson City (11.4 mi)

Demographics updated 05/2026

Population
Total population	10,083
Population density	174 / sq mi
State FIPS	29
County FIPS	027

Geography
Land area	58.10 sq mi
Water area	1.01 sq mi
Latitude	38.6226
Longitude	-92.0887
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	36.8%	40.1%	43.8%
$50k – $100k	40.4%	38.9%	31.5%
$100k – $200k	21.5%	18.8%	19.5%
Over $200k	1.3%	2.2%	5.2%

Demographics & statistics

10,083

Population

174

People per sq mi

35.3

Median age

$77,576

Median household income

$33,333

Per capita income

$185,700

Median home value

$838

Median monthly rent

78.3%

Home ownership

8.8%

Poverty rate

0.7%

Unemployment

3,391

Housing units

30.1%

Bachelor's or higher

Age distribution

Male Female

362

Under 5

383

375

5–9

397

333

10–14

354

312

15–19

330

260

20–24

276

785

25–34

832

545

35–44

578

460

45–54

488

262

55–59

278

317

60–64

337

604

65–74

641

245

75–84

259

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,630	26.1%
18 and over	7,453	73.9%
65 and over	1,819	18.0%
Median age	35.3 years

Race & ethnicity

White 87.7%

Two or more races 6.4%

Hispanic or Latino 2.2%

Black or African American 2%

Native Hawaiian / Pacific Islander 0.9%

Other race 0.3%

American Indian / Alaska Native 0.3%

Asian 0.1%

Group	Count	%
White	9,045	87.7%
Two or more races	663	6.4%
Hispanic or Latino	229	2.2%
Black or African American	204	2%
Native Hawaiian / Pacific Islander	97	0.9%
Other race	36	0.3%
American Indian / Alaska Native	28	0.3%
Asian	10	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.8%	40.1%	43.8%
$50k – $100k	40.4%	38.9%	31.5%
$100k – $200k	21.5%	18.8%	19.5%
Over $200k	1.3%	2.2%	5.2%

Under $10k 1.0%

$10k–$15k 2.6%

$15k–$25k 10.7%

$25k–$35k 4.6%

$35k–$50k 11.6%

$50k–$75k 18.3%

$75k–$100k 18.6%

$100k–$150k 20.7%

$150k–$200k 6.6%

$200k+ 5.2%

Range	% of households
Under $10k	1.0%
$10k–$15k	2.6%
$15k–$25k	10.7%
$25k–$35k	4.6%
$35k–$50k	11.6%
$50k–$75k	18.3%
$75k–$100k	18.6%
$100k–$150k	20.7%
$150k–$200k	6.6%
$200k+	5.2%
Median income	$77,576

Housing

Home values

Under $50k 7.9%

$50k–$100k 5.6%

$100k–$150k 20.2%

$150k–$200k 23.5%

$200k–$300k 27.9%

$300k–$500k 12.3%

$500k–$1M 2.6%

Housing overview

Metric	Value
Median home value	$185,700
Median rent / month	$838
Owner occupied	78.3%
Renter occupied	21.7%
Vacant	11.1%
Single-family detached	72.1%
Large apartment buildings	0.8%
Mobile homes	17.8%
Median rooms	6.1
Avg household size (owned)	2.69

Year built

Era	%
2020 or later	0.9%
2010–2019	12.1%
2000–2009	24.0%
1990–1999	26.8%
1980–1989	11.1%
1970–1979	13.5%
1960–1969	4.5%
1950–1959	0.7%
1940–1949	1.8%
1939 or earlier	4.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.5%
2 bedrooms	16.7%
3 bedrooms	58.9%
4 bedrooms	18.3%
5+ bedrooms	5.5%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	22.5%
2 vehicles	41.7%
3 or more	32.0%

Heating fuel

Fuel type	%
Utility gas	17.0%
Electricity	65.2%
Propane / LP gas	15.4%
Wood	1.7%

Households & families

Household type	Count	%
Married-couple family	2,267	60.7%
Cohabiting couple	318	8.5%
Male householder, no spouse	323	8.6%
Female householder, no spouse	827	22.1%
Households with children under 18	1,448	38.8%
Households with seniors (65+)	1,221	32.7%
Average household size	2.69

Marital status

Status	Male	Female
Never married	24.3%	18.6%
Married	63.4%	59.3%
Separated	1.1%	1.3%
Widowed	3.3%	11.4%
Divorced	7.9%	9.4%

Education

Less than 9th grade 1.7%

Some HS, no diploma 7.4%

HS graduate 28.2%

Some college, no degree 22.0%

Associate's degree 10.6%

Bachelor's degree 21.7%

Graduate / professional 8.4%

Metric	%
HS diploma or higher	90.9%
Bachelor's or higher	30.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	120	5.2%
Kindergarten	174	7.6%
Elementary school	1,132	49.3%
High school	470	20.5%
College / grad school	398	17.3%

Employment

Industry of employment

Education & healthcare 20.5%

Public administration 20.4%

Manufacturing 10.2%

Finance & real estate 8.5%

Retail trade 6.6%

Arts, food & hospitality 6.5%

Professional & management 6.1%

Other services 5.9%

Transportation & utilities 5.1%

Construction 4.9%

Wholesale trade 2.1%

Agriculture & mining 1.6%

Information 1.6%

Occupation

Category	%
Management, business & arts	44.1%
Service	16.1%
Sales & office	18.0%
Natural resources & construction	7.6%
Production & transportation	14.3%

Employment type

Type	%
Private sector	66.1%
Government	30.1%
Self-employed	3.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	89.2%
Carpool	6.0%
Public transit	0.0%
Walk	0.0%
Work from home	3.7%
Other means	1.1%
Avg commute (minutes)	21.9

Poverty

All people 8.8%

Under 18 years 17.1%

18 and over 5.9%

Married-couple families 1.7%

Female-led households 53.1%

Income support

Source	% of households
Social Security	35.3%
Retirement income	28.2%
Supplemental Security	3.7%
Cash public assistance	2.7%
Food stamps / SNAP	9.2%

Health indicators

Condition	%
Obesity	34.1%
High blood pressure	31.1%
High cholesterol	33.7%
Diabetes	9.3%
Heart disease	6.2%
Stroke	2.9%
Asthma	9.8%
Arthritis	26.4%
Kidney disease	2.6%
Pulmonary disease	7.7%
Cancer	6.2%

Behavior / access	%
Smoking	20.4%
Binge drinking	18.4%
No physical activity	24.1%
Less than 7 hrs sleep	33.1%
Depression	25.2%
Fair or poor health	15.2%
Poor mental health	15.8%
Poor physical health	11.1%
No health insurance	14.7%
Visited doctor (checkup)	73.0%
Visited dentist	62.2%
Cholesterol screening	88.1%
Teeth loss	16.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	559	7.5%

Disability	%
Any disability	13.9%
Under 18	3.1%
18–64 years	10.4%
65 and over	40.6%

Health insurance coverage

Type	%
Private insurance	75.4%
Public insurance	35.6%
No insurance	4.5%
Uninsured under 19	1.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,338	92.6%
Spanish	13	0.1%
Other Indo-European	1	0.0%
Asian & Pacific Islander	12	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,916	98.3%
Born in same state	9,809	97.3%
Born in different state	7,022	69.6%
Foreign born	107	1.1%
Naturalized citizen	167	1.7%
Not a US citizen	108	64.7%

Ancestry

Ancestry	Count	%
Italian	1,258	12.5%
French	1,102	10.9%
Arab	821	8.1%

Ancestry	Count	%
Polish	94	0.9%
English	34	0.3%
Dutch	5	0%

Technology access

Metric	% of households
Computer access	37.0%
Internet access	97.3%

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

Frequently asked questions about ZIP code 65043

What city is ZIP code 65043 in?

ZIP code 65043 is primarily assigned to Holts Summit, Missouri.

What county is ZIP code 65043 in?

ZIP code 65043 falls within Callaway County, Missouri.

Does ZIP code 65043 have a large retiree population?

35% of households in ZIP code 65043 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 65043?

The median home value in ZIP code 65043 is $185,700.

What is the population of ZIP code 65043?

ZIP code 65043 has an estimated population of 10,083 residents, with a density of 174 people per square mile.

What is the median household income in ZIP code 65043?

The median household income in ZIP code 65043 is $77,576, above the national median of ~$75,000.

What timezone is ZIP code 65043 in?

ZIP code 65043 observes the CST timezone.