65109 ZIP Code — Jefferson City, MO
Cole County, Missouri
ZIP code 65109 is located in Jefferson City, Missouri, within Cole County. It covers approximately 80.72 square miles and serves a population of 40,191 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.
About ZIP code 65109
The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $190,600. Owner-occupancy sits near the national average at 65%.
Median household income is $71,844. 36% 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 17 minutes is near the national average.
Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.
40,191
population
80.72
sq mi land
Standard
ZIP type
Central (CT)
timezone
65109 ZIP code map
Cities in ZIP code 65109
Below are the cities the US Postal Service accepts for ZIP code 65109. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Jefferson City | Acceptable |
| Jefferson City | Preferred |
Nearby ZIP codes
65053 Lohman (5.3 mi)
65105 Jefferson City (6 mi)
65107 Jefferson City (6 mi)
65103 Jefferson City (6 mi)
65108 Jefferson City (6 mi)
65104 Jefferson City (6 mi)
65106 Jefferson City (6 mi)
65111 Jefferson City (6.5 mi)
65023 Centertown (8.9 mi)
65039 Hartsburg (9.6 mi)
65101 Jefferson City (10 mi)
65074 Russellville (11 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 40,191 |
| Population density | 498 / sq mi |
| State FIPS | 29 |
| County FIPS | 051 |
| Geography | |
|---|---|
| Land area | 80.72 sq mi |
| Water area | 1.68 sq mi |
| Latitude | 38.5582 |
| Longitude | -92.2831 |
| 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 | 40.0% | 39.3% | 43.8% |
| $50k – $100k | 31.4% | 33.7% | 31.5% |
| $100k – $200k | 24.9% | 23.9% | 19.5% |
| Over $200k | 3.7% | 3.1% | 5.2% |
Demographics & statistics
40,191
Population
498
People per sq mi
40.5
Median age
$71,844
Median household income
$38,099
Per capita income
$190,600
Median home value
$827
Median monthly rent
64.7%
Home ownership
9.2%
Poverty rate
3.5%
Unemployment
12,212
Housing units
41.9%
Bachelor's or higher
Age distribution
Male
Female
1,031
Under 5
1,183
1,070
5–9
1,228
1,394
10–14
1,598
1,171
15–19
1,342
969
20–24
1,112
2,448
25–34
2,807
2,337
35–44
2,681
2,119
45–54
2,430
1,194
55–59
1,370
1,351
60–64
1,549
2,190
65–74
2,511
1,069
75–84
1,225
378
85+
434
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 9,100 | 22.6% |
| 18 and over | 31,091 | 77.4% |
| 65 and over | 7,807 | 19.4% |
| Median age | 40.5 years | |
Race & ethnicity
White
83.5%
Black or African American
6.8%
Two or more races
4.4%
Asian
2.6%
Hispanic or Latino
2.1%
Other race
0.5%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 34,286 | 83.5% |
| Black or African American | 2,773 | 6.8% |
| Two or more races | 1,826 | 4.4% |
| Asian | 1,068 | 2.6% |
| Hispanic or Latino | 872 | 2.1% |
| Other race | 203 | 0.5% |
| American Indian / Alaska Native | 30 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 40.0% | 39.3% | 43.8% |
| $50k – $100k | 31.4% | 33.7% | 31.5% |
| $100k – $200k | 24.9% | 23.9% | 19.5% |
| Over $200k | 3.7% | 3.1% | 5.2% |
Under $10k
2.9%
$10k–$15k
3.2%
$15k–$25k
8.6%
$25k–$35k
7.0%
$35k–$50k
13.5%
$50k–$75k
16.6%
$75k–$100k
14.9%
$100k–$150k
18.8%
$150k–$200k
8.9%
$200k+
5.4%
| Range | % of households |
|---|---|
| Under $10k | 2.9% |
| $10k–$15k | 3.2% |
| $15k–$25k | 8.6% |
| $25k–$35k | 7.0% |
| $35k–$50k | 13.5% |
| $50k–$75k | 16.6% |
| $75k–$100k | 14.9% |
| $100k–$150k | 18.8% |
| $150k–$200k | 8.9% |
| $200k+ | 5.4% |
| Median income | $71,844 |
Housing
Home values
Under $50k
4.2%
$50k–$100k
3.7%
$100k–$150k
21.2%
$150k–$200k
24.6%
$200k–$300k
28.3%
$300k–$500k
13.7%
$500k–$1M
3.6%
$1M+
0.6%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $190,600 |
| Median rent / month | $827 |
| Owner occupied | 64.7% |
| Renter occupied | 35.3% |
| Vacant | 7.6% |
| Single-family detached | 66.7% |
| Large apartment buildings | 4.6% |
| Mobile homes | 2.6% |
| Median rooms | 6.0 |
| Avg household size (owned) | 2.55 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.2% |
| 2010–2019 | 6.8% |
| 2000–2009 | 14.5% |
| 1990–1999 | 17.0% |
| 1980–1989 | 17.1% |
| 1970–1979 | 17.7% |
| 1960–1969 | 10.3% |
| 1950–1959 | 9.1% |
| 1940–1949 | 2.7% |
| 1939 or earlier | 4.5% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.1% |
| 1 bedroom | 6.8% |
| 2 bedrooms | 24.1% |
| 3 bedrooms | 48.4% |
| 4 bedrooms | 15.1% |
| 5+ bedrooms | 4.5% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 5.1% |
| 1 vehicle | 35.9% |
| 2 vehicles | 39.0% |
| 3 or more | 20.0% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 36.5% |
| Electricity | 56.5% |
| Propane / LP gas | 4.7% |
| Wood | 1.3% |
| No fuel used | 0.4% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 7,736 | 46.2% |
| Cohabiting couple | 1,056 | 6.3% |
| Male householder, no spouse | 2,467 | 14.7% |
| Female householder, no spouse | 5,469 | 32.7% |
| Households with children under 18 | 4,840 | 28.9% |
| Households with seniors (65+) | 5,567 | 33.3% |
| Average household size | 2.37 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 31.9% | 26.4% |
| Married | 55.5% | 45.9% |
| Separated | 0.6% | 1.4% |
| Widowed | 3.5% | 9.3% |
| Divorced | 8.6% | 17.1% |
Education
Less than 9th grade
2.7%
Some HS, no diploma
2.7%
HS graduate
25.6%
Some college, no degree
19.9%
Associate's degree
7.2%
Bachelor's degree
26.0%
Graduate / professional
15.9%
| Metric | % |
|---|---|
| HS diploma or higher | 94.5% |
| Bachelor's or higher | 41.9% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 393 | 4.4% |
| Kindergarten | 300 | 3.3% |
| Elementary school | 4,577 | 50.7% |
| High school | 2,003 | 22.2% |
| College / grad school | 1,761 | 19.5% |
Employment
Industry of employment
Education & healthcare
22.1%
Public administration
15.5%
Retail trade
12.1%
Finance & real estate
9.4%
Professional & management
9.0%
Manufacturing
8.0%
Construction
6.1%
Arts, food & hospitality
6.0%
Transportation & utilities
4.4%
Other services
3.2%
Wholesale trade
2.6%
Information
1.3%
Agriculture & mining
0.4%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 44.5% |
| Service | 13.5% |
| Sales & office | 23.5% |
| Natural resources & construction | 7.5% |
| Production & transportation | 11.0% |
Employment type
| Type | % |
|---|---|
| Private sector | 69.4% |
| Government | 24.5% |
| Self-employed | 5.9% |
| Unpaid family workers | 0.2% |
Commute
| Method | % |
|---|---|
| Drive alone | 82.0% |
| Carpool | 9.0% |
| Public transit | 0.2% |
| Walk | 1.0% |
| Work from home | 6.4% |
| Other means | 1.5% |
| Avg commute (minutes) | 17.3 |
Poverty
All people
9.2%
Under 18 years
13.3%
18 and over
8.0%
Married-couple families
1.8%
Female-led households
28.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 36.3% |
| Retirement income | 33.4% |
| Supplemental Security | 3.5% |
| Cash public assistance | 0.5% |
| Food stamps / SNAP | 6.0% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 32.7% |
| High blood pressure | 30.3% |
| High cholesterol | 33.7% |
| Diabetes | 9.7% |
| Heart disease | 6.3% |
| Stroke | 2.9% |
| Asthma | 9.2% |
| Arthritis | 26.7% |
| Kidney disease | 2.7% |
| Pulmonary disease | 7.0% |
| Cancer | 6.8% |
| Behavior / access | % |
|---|---|
| Smoking | 16.7% |
| Binge drinking | 17.3% |
| No physical activity | 21.9% |
| Less than 7 hrs sleep | 28.6% |
| Depression | 22.4% |
| Fair or poor health | 13.6% |
| Poor mental health | 14.7% |
| Poor physical health | 10.2% |
| No health insurance | 13.4% |
| Visited doctor (checkup) | 74.4% |
| Visited dentist | 64.8% |
| Cholesterol screening | 89.4% |
| Teeth loss | 14.5% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 2,787 | 9.0% |
| Disability | % |
|---|---|
| Any disability | 12.1% |
| Under 18 | 4.4% |
| 18–64 years | 9.1% |
| 65 and over | 30.6% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 76.3% |
| Public insurance | 33.2% |
| No insurance | 6.5% |
| Uninsured under 19 | 3.7% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 37,977 | 94.5% |
| Spanish | 640 | 1.7% |
| Other Indo-European | 101 | 0.3% |
| Asian & Pacific Islander | 208 | 0.5% |
| Other languages | 331 | 0.9% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 38,916 | 96.8% |
| Born in same state | 38,570 | 96.0% |
| Born in different state | 28,428 | 70.7% |
| Foreign born | 346 | 0.9% |
| Naturalized citizen | 1,275 | 3.2% |
| Not a US citizen | 607 | 47.6% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 4,537 | 11.3% |
| Italian | 4,073 | 10.1% |
| Arab | 3,209 | 8% |
| English | 547 | 1.4% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 344 | 0.9% |
| German | 105 | 0.3% |
| Irish | 28 | 0.1% |
| Dutch | 17 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 41.6% |
| Internet access | 95.2% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 65109
What city is ZIP code 65109 in?
ZIP code 65109 is primarily assigned to Jefferson City, Missouri.
What county is ZIP code 65109 in?
ZIP code 65109 falls within Cole County, Missouri.
Does ZIP code 65109 have a large retiree population?
36% of households in ZIP code 65109 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 65109?
The median home value in ZIP code 65109 is $190,600.
What is the population of ZIP code 65109?
ZIP code 65109 has an estimated population of 40,191 residents, with a density of 498 people per square mile.
What is the median household income in ZIP code 65109?
The median household income in ZIP code 65109 is $71,844, below the national median of ~$75,000.
What timezone is ZIP code 65109 in?
ZIP code 65109 observes the CST timezone.