64465 ZIP Code — Lathrop, MO

Clinton County, Missouri

ZIP code 64465 is located in Lathrop, Missouri, within Clinton County. It covers approximately 94.32 square miles and serves a population of 4,101 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 816.

About ZIP code 64465

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 $174,900. Owner-occupancy is high at 79%, well above the national average.

Median household income is $73,636. 37% 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 32 minutes is near the national average.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 64465 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,101

population

94.32

sq mi land

Standard

ZIP type

Central (CT)

timezone

64465 ZIP code map

Cities in ZIP code 64465

Below are the cities the US Postal Service accepts for ZIP code 64465. Using any city not on this list may result in mail delivery delays.

City	Status
Lathrop	Preferred

Nearby ZIP codes

64493 Turney (5.6 mi) 64048 Holt (8 mi) 64477 Plattsburg (8.8 mi) 64062 Lawson (9 mi) 64671 Polo (11.3 mi) 64060 Kearney (12.2 mi) 64650 Kingston (12.7 mi) 64492 Trimble (14.4 mi) 64429 Cameron (14.8 mi) 64024 Excelsior Springs (15.7 mi) 64084 Rayville (16 mi) 64474 Osborn (17.5 mi)

Demographics updated 05/2026

Population
Total population	4,101
Population density	43 / sq mi
State FIPS	29
County FIPS	049

Geography
Land area	94.32 sq mi
Water area	0.44 sq mi
Latitude	39.5419
Longitude	-94.2871
Timezone	Central (CT)
Area code	816

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.0%	41.3%	43.8%
$50k – $100k	36.7%	37.0%	31.5%
$100k – $200k	23.2%	19.9%	19.5%
Over $200k	1.0%	1.8%	5.2%

Demographics & statistics

4,101

Population

People per sq mi

44.9

Median age

$73,636

Median household income

$30,516

Per capita income

$174,900

Median home value

$785

Median monthly rent

78.5%

Home ownership

15.1%

Poverty rate

3.6%

Unemployment

1,379

Housing units

20.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

138

5–9

143

133

10–14

139

183

15–19

191

20–24

157

25–34

163

254

35–44

264

363

45–54

376

121

55–59

126

153

60–64

158

227

65–74

236

103

75–84

106

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	861	21.0%
18 and over	3,240	79.0%
65 and over	746	18.2%
Median age	44.9 years

Race & ethnicity

White 93.8%

Two or more races 3.3%

Asian 1.5%

Hispanic or Latino 0.9%

Native Hawaiian / Pacific Islander 0.3%

Black or African American 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	3,881	93.8%
Two or more races	135	3.3%
Asian	60	1.5%
Hispanic or Latino	36	0.9%
Native Hawaiian / Pacific Islander	14	0.3%
Black or African American	6	0.1%
American Indian / Alaska Native	5	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.0%	41.3%	43.8%
$50k – $100k	36.7%	37.0%	31.5%
$100k – $200k	23.2%	19.9%	19.5%
Over $200k	1.0%	1.8%	5.2%

Under $10k 9.4%

$10k–$15k 1.4%

$15k–$25k 5.8%

$25k–$35k 6.9%

$35k–$50k 10.5%

$50k–$75k 17.9%

$75k–$100k 15.9%

$100k–$150k 27.0%

$150k–$200k 2.8%

$200k+ 2.4%

Range	% of households
Under $10k	9.4%
$10k–$15k	1.4%
$15k–$25k	5.8%
$25k–$35k	6.9%
$35k–$50k	10.5%
$50k–$75k	17.9%
$75k–$100k	15.9%
$100k–$150k	27.0%
$150k–$200k	2.8%
$200k+	2.4%
Median income	$73,636

Housing

Home values

Under $50k 10.1%

$50k–$100k 11.7%

$100k–$150k 14.1%

$150k–$200k 28.9%

$200k–$300k 18.6%

$300k–$500k 11.0%

$500k–$1M 5.6%

Housing overview

Metric	Value
Median home value	$174,900
Median rent / month	$785
Owner occupied	78.5%
Renter occupied	21.5%
Vacant	9.5%
Single-family detached	82.1%
Large apartment buildings	0.9%
Mobile homes	9.4%
Median rooms	5.4
Avg household size (owned)	2.76

Year built

Era	%
2020 or later	2.7%
2010–2019	5.7%
2000–2009	17.6%
1990–1999	15.2%
1980–1989	9.5%
1970–1979	19.4%
1960–1969	4.8%
1950–1959	5.5%
1940–1949	0.9%
1939 or earlier	18.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	5.2%
2 bedrooms	26.0%
3 bedrooms	55.2%
4 bedrooms	10.0%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.6%
1 vehicle	27.7%
2 vehicles	31.7%
3 or more	35.9%

Heating fuel

Fuel type	%
Utility gas	40.2%
Electricity	25.3%
Propane / LP gas	24.6%
Wood	6.3%
Solar	0.3%
No fuel used	2.5%

Households & families

Household type	Count	%
Married-couple family	808	52.1%
Cohabiting couple	142	9.2%
Male householder, no spouse	263	17.0%
Female householder, no spouse	337	21.7%
Households with children under 18	442	28.5%
Households with seniors (65+)	535	34.5%
Average household size	2.65

Marital status

Status	Male	Female
Never married	29.3%	18.5%
Married	47.8%	49.6%
Separated	4.5%	1.6%
Widowed	4.6%	9.1%
Divorced	13.8%	21.3%

Education

Less than 9th grade 1.2%

Some HS, no diploma 8.7%

HS graduate 39.5%

Some college, no degree 20.4%

Associate's degree 9.8%

Bachelor's degree 12.8%

Graduate / professional 7.6%

Metric	%
HS diploma or higher	90.1%
Bachelor's or higher	20.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	49	5.4%
Kindergarten	134	14.9%
Elementary school	334	37.1%
High school	318	35.3%
College / grad school	65	7.2%

Employment

Industry of employment

Education & healthcare 20.1%

Manufacturing 16.4%

Construction 11.5%

Retail trade 10.5%

Arts, food & hospitality 9.6%

Transportation & utilities 7.4%

Professional & management 6.6%

Finance & real estate 4.8%

Public administration 4.4%

Other services 4.3%

Wholesale trade 2.6%

Information 1.4%

Agriculture & mining 0.5%

Occupation

Category	%
Management, business & arts	35.3%
Service	15.4%
Sales & office	17.6%
Natural resources & construction	12.5%
Production & transportation	19.2%

Employment type

Type	%
Private sector	75.8%
Government	19.1%
Self-employed	5.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	87.9%
Carpool	5.8%
Public transit	0.0%
Walk	0.8%
Work from home	5.5%
Other means	0.0%
Avg commute (minutes)	31.5

Poverty

All people 15.1%

Under 18 years 27.0%

18 and over 12.0%

Married-couple families 1.7%

Female-led households 33.3%

Income support

Source	% of households
Social Security	36.8%
Retirement income	28.4%
Supplemental Security	2.5%
Cash public assistance	3.2%
Food stamps / SNAP	10.5%

Health indicators

Condition	%
Obesity	37.3%
High blood pressure	30.0%
High cholesterol	34.6%
Diabetes	9.8%
Heart disease	6.4%
Stroke	2.9%
Asthma	9.3%
Arthritis	26.3%
Kidney disease	2.6%
Pulmonary disease	7.7%
Cancer	6.5%

Behavior / access	%
Smoking	21.1%
Binge drinking	18.5%
No physical activity	24.9%
Less than 7 hrs sleep	33.6%
Depression	23.8%
Fair or poor health	14.7%
Poor mental health	15.5%
Poor physical health	11.0%
No health insurance	14.8%
Visited doctor (checkup)	74.6%
Visited dentist	63.4%
Cholesterol screening	88.5%
Teeth loss	14.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	250	7.7%

Disability	%
Any disability	21.4%
Under 18	11.5%
18–64 years	14.2%
65 and over	56.7%

Health insurance coverage

Type	%
Private insurance	75.0%
Public insurance	30.1%
No insurance	9.9%
Uninsured under 19	4.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,002	97.6%
Spanish	12	0.3%
Other Indo-European	0	0.0%
Asian & Pacific Islander	12	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,025	98.1%
Born in same state	3,987	97.2%
Born in different state	2,999	73.1%
Foreign born	38	0.9%
Naturalized citizen	76	1.9%
Not a US citizen	46	60.5%

Ancestry

Ancestry	Count	%
Italian	524	12.8%
French	403	9.8%
Arab	309	7.5%

Ancestry	Count	%
English	102	2.5%
Polish	15	0.4%
Dutch	8	0.2%

Technology access

Metric	% of households
Computer access	37.8%
Internet access	87.1%

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

Frequently asked questions about ZIP code 64465

What city is ZIP code 64465 in?

ZIP code 64465 is primarily assigned to Lathrop, Missouri.

What county is ZIP code 64465 in?

ZIP code 64465 falls within Clinton County, Missouri.

What is the poverty rate in ZIP code 64465?

15% of residents in ZIP code 64465 live below the poverty line, above the national average.

Does ZIP code 64465 have a large retiree population?

37% of households in ZIP code 64465 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 64465?

The median home value in ZIP code 64465 is $174,900.

What is the population of ZIP code 64465?

ZIP code 64465 has an estimated population of 4,101 residents, with a density of 43 people per square mile.

What timezone is ZIP code 64465 in?

ZIP code 64465 observes the CST timezone.