64504 ZIP Code — Saint Joseph, MO

Buchanan County, Missouri

ZIP code 64504 is located in Saint Joseph, Missouri, within Buchanan County. It covers approximately 46.97 square miles and serves a population of 10,348 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 816.

About ZIP code 64504

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 $100,100. Owner-occupancy sits near the national average at 70%.

Median household income is $53,778. Poverty affects 22% of residents, above the national average. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 18 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks. 17% of residents lack health insurance, above the national average.

Overall, ZIP code 64504 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and a significant Social Security-dependent population.

10,348

population

46.97

sq mi land

Standard

ZIP type

Central (CT)

timezone

64504 ZIP code map

Cities in ZIP code 64504

Below are the cities the US Postal Service accepts for ZIP code 64504. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Joseph	Preferred

Nearby ZIP codes

64501 Saint Joseph (6.8 mi) 64503 Saint Joseph (7 mi) 64440 De Kalb (7.5 mi) 66090 Wathena (7.6 mi) 64507 Saint Joseph (8.2 mi) 64448 Faucett (8.5 mi) 64506 Saint Joseph (9.9 mi) 64484 Rushville (10.3 mi) 64505 Saint Joseph (10.4 mi) 64401 Agency (11.7 mi) 64443 Easton (13.5 mi) 66008 Bendena (13.6 mi)

Demographics updated 05/2026

Population
Total population	10,348
Population density	220 / sq mi
State FIPS	29
County FIPS	021

Geography
Land area	46.97 sq mi
Water area	1.63 sq mi
Latitude	39.6831
Longitude	-94.9213
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	47.7%	48.1%	43.8%
$50k – $100k	35.5%	32.1%	31.5%
$100k – $200k	13.7%	16.5%	19.5%
Over $200k	3.0%	3.3%	5.2%

Demographics & statistics

10,348

Population

220

People per sq mi

40.7

Median age

$53,778

Median household income

$28,295

Per capita income

$100,100

Median home value

$881

Median monthly rent

70.4%

Home ownership

22.1%

Poverty rate

5.2%

Unemployment

3,366

Housing units

13.1%

Bachelor's or higher

Age distribution

Male Female

293

Under 5

280

385

5–9

368

441

10–14

422

255

15–19

244

209

20–24

201

675

25–34

647

649

35–44

622

663

45–54

635

409

55–59

391

443

60–64

424

563

65–74

540

234

75–84

225

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,539	24.5%
18 and over	7,809	75.5%
65 and over	1,692	16.4%
Median age	40.7 years

Race & ethnicity

White 82.7%

Hispanic or Latino 5.9%

Two or more races 5.5%

Black or African American 3.2%

Other race 1.5%

American Indian / Alaska Native 0.9%

Asian 0.2%

Group	Count	%
White	9,097	82.7%
Hispanic or Latino	647	5.9%
Two or more races	607	5.5%
Black or African American	355	3.2%
Other race	162	1.5%
American Indian / Alaska Native	103	0.9%
Asian	24	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.7%	48.1%	43.8%
$50k – $100k	35.5%	32.1%	31.5%
$100k – $200k	13.7%	16.5%	19.5%
Over $200k	3.0%	3.3%	5.2%

Under $10k 7.5%

$10k–$15k 7.4%

$15k–$25k 9.6%

$25k–$35k 8.6%

$35k–$50k 14.2%

$50k–$75k 20.9%

$75k–$100k 13.8%

$100k–$150k 12.1%

$150k–$200k 2.9%

$200k+ 3.0%

Range	% of households
Under $10k	7.5%
$10k–$15k	7.4%
$15k–$25k	9.6%
$25k–$35k	8.6%
$35k–$50k	14.2%
$50k–$75k	20.9%
$75k–$100k	13.8%
$100k–$150k	12.1%
$150k–$200k	2.9%
$200k+	3.0%
Median income	$53,778

Housing

Home values

Under $50k 15.3%

$50k–$100k 34.7%

$100k–$150k 18.5%

$150k–$200k 12.3%

$200k–$300k 12.3%

$300k–$500k 5.9%

$500k–$1M 0.9%

$1M+ 0.1%

Housing overview

Metric	Value
Median home value	$100,100
Median rent / month	$881
Owner occupied	70.4%
Renter occupied	29.6%
Vacant	11.6%
Single-family detached	83.4%
Large apartment buildings	2.1%
Mobile homes	8.8%
Median rooms	5.4
Avg household size (owned)	2.58

Year built

Era	%
2020 or later	0.2%
2010–2019	4.3%
2000–2009	4.9%
1990–1999	5.4%
1980–1989	5.5%
1970–1979	12.5%
1960–1969	9.3%
1950–1959	13.6%
1940–1949	14.1%
1939 or earlier	30.1%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	10.9%
2 bedrooms	36.2%
3 bedrooms	38.4%
4 bedrooms	9.9%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	8.9%
1 vehicle	31.9%
2 vehicles	35.7%
3 or more	23.5%

Heating fuel

Fuel type	%
Utility gas	59.9%
Electricity	32.8%
Propane / LP gas	3.9%
Fuel oil	0.1%
Wood	1.1%
Solar	0.6%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,699	42.1%
Cohabiting couple	408	10.1%
Male householder, no spouse	790	19.6%
Female householder, no spouse	1,137	28.2%
Households with children under 18	1,235	30.6%
Households with seniors (65+)	1,271	31.5%
Average household size	2.56

Marital status

Status	Male	Female
Never married	35.5%	27.8%
Married	43.3%	43.7%
Separated	1.0%	1.8%
Widowed	3.6%	10.3%
Divorced	16.7%	16.4%

Education

Less than 9th grade 6.1%

Some HS, no diploma 11.4%

HS graduate 42.8%

Some college, no degree 20.3%

Associate's degree 6.3%

Bachelor's degree 9.9%

Graduate / professional 3.2%

Metric	%
HS diploma or higher	82.6%
Bachelor's or higher	13.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	38	1.7%
Kindergarten	147	6.6%
Elementary school	1,395	63.1%
High school	410	18.5%
College / grad school	221	10.0%

Employment

Industry of employment

Manufacturing 25.7%

Education & healthcare 20.8%

Transportation & utilities 11.7%

Construction 8.5%

Retail trade 7.0%

Arts, food & hospitality 5.1%

Other services 4.9%

Professional & management 4.8%

Public administration 4.4%

Finance & real estate 4.1%

Wholesale trade 2.0%

Agriculture & mining 0.6%

Information 0.4%

Occupation

Category	%
Management, business & arts	25.2%
Service	14.4%
Sales & office	20.0%
Natural resources & construction	10.8%
Production & transportation	29.6%

Employment type

Type	%
Private sector	83.2%
Government	12.5%
Self-employed	4.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	84.3%
Carpool	9.1%
Public transit	0.0%
Walk	1.1%
Work from home	5.1%
Other means	0.5%
Avg commute (minutes)	17.8

Poverty

All people 22.1%

Under 18 years 34.2%

18 and over 18.3%

Married-couple families 9.1%

Female-led households 40.9%

Income support

Source	% of households
Social Security	37.2%
Retirement income	25.6%
Supplemental Security	9.0%
Cash public assistance	2.9%
Food stamps / SNAP	14.2%

Health indicators

Condition	%
Obesity	36.7%
High blood pressure	32.7%
High cholesterol	33.6%
Diabetes	11.0%
Heart disease	7.5%
Stroke	3.5%
Asthma	9.8%
Arthritis	28.4%
Kidney disease	3.0%
Pulmonary disease	9.5%
Cancer	6.6%

Behavior / access	%
Smoking	24.7%
Binge drinking	16.8%
No physical activity	28.1%
Less than 7 hrs sleep	34.2%
Depression	25.8%
Fair or poor health	18.7%
Poor mental health	17.4%
Poor physical health	12.9%
No health insurance	18.2%
Visited doctor (checkup)	73.5%
Visited dentist	55.6%
Cholesterol screening	86.9%
Teeth loss	20.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	665	8.5%

Disability	%
Any disability	21.8%
Under 18	6.3%
18–64 years	22.9%
65 and over	41.3%

Health insurance coverage

Type	%
Private insurance	56.3%
Public insurance	41.6%
No insurance	16.7%
Uninsured under 19	9.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,775	94.5%
Spanish	292	3.0%
Other Indo-European	276	2.8%
Asian & Pacific Islander	0	0.0%
Other languages	16	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,082	97.4%
Born in same state	10,023	96.9%
Born in different state	8,355	80.7%
Foreign born	59	0.6%
Naturalized citizen	266	2.6%
Not a US citizen	88	33.1%

Ancestry

Ancestry	Count	%
Italian	1,331	12.9%
French	945	9.1%
Arab	702	6.8%
English	211	2%

Ancestry	Count	%
Polish	134	1.3%
German	33	0.3%
Dutch	4	0%

Technology access

Metric	% of households
Computer access	39.0%
Internet access	88.4%

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

Frequently asked questions about ZIP code 64504

What city is ZIP code 64504 in?

ZIP code 64504 is primarily assigned to Saint Joseph, Missouri.

What county is ZIP code 64504 in?

ZIP code 64504 falls within Buchanan County, Missouri.

What is the poverty rate in ZIP code 64504?

22% of residents in ZIP code 64504 live below the poverty line, above the national average.

How educated is the population of ZIP code 64504?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 64504 have a large retiree population?

37% of households in ZIP code 64504 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 64504?

The median home value in ZIP code 64504 is $100,100.

What timezone is ZIP code 64504 in?

ZIP code 64504 observes the CST timezone.