64505 ZIP Code — Saint Joseph, MO
Buchanan County, Missouri
ZIP code 64505 is located in Saint Joseph, Missouri, within Buchanan County. It covers approximately 45.65 square miles and serves a population of 13,944 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 816.
About ZIP code 64505
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 $172,600. Owner-occupancy sits near the national average at 71%.
The gap between median ($69,717) and mean household income suggests income inequality — a small number of higher earners pull the average up.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 18 minutes is near the national average.
Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.
Health indicators show elevated rates of smoking (22%) compared to national benchmarks.
13,944
population
45.65
sq mi land
Standard
ZIP type
Central (CT)
timezone
64505 ZIP code map
Cities in ZIP code 64505
Below are the cities the US Postal Service accepts for ZIP code 64505. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Saint Joseph | Acceptable |
| Saint Joseph | Preferred |
Nearby ZIP codes
64506 Saint Joseph (3.1 mi)
64501 Saint Joseph (4.5 mi)
64503 Saint Joseph (6.6 mi)
64421 Amazonia (6.9 mi)
66090 Wathena (7 mi)
64485 Savannah (7.5 mi)
64507 Saint Joseph (8.2 mi)
64436 Cosby (8.9 mi)
64504 Saint Joseph (10.4 mi)
64443 Easton (10.5 mi)
64459 Helena (12.6 mi)
64401 Agency (13.7 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 13,944 |
| Population density | 305 / sq mi |
| State FIPS | 29 |
| County FIPS | 021 |
| Geography | |
|---|---|
| Land area | 45.65 sq mi |
| Water area | 0.62 sq mi |
| Latitude | 39.8231 |
| Longitude | -94.8491 |
| 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 | 41.7% | 48.1% | 43.8% |
| $50k – $100k | 35.5% | 32.1% | 31.5% |
| $100k – $200k | 19.7% | 16.5% | 19.5% |
| Over $200k | 3.1% | 3.3% | 5.2% |
Demographics & statistics
13,944
Population
305
People per sq mi
41.0
Median age
$69,717
Median household income
$40,006
Per capita income
$172,600
Median home value
$923
Median monthly rent
71.0%
Home ownership
13.0%
Poverty rate
3.9%
Unemployment
4,317
Housing units
27.0%
Bachelor's or higher
Age distribution
Male
Female
413
Under 5
417
472
5–9
476
423
10–14
426
411
15–19
414
422
20–24
426
799
25–34
807
913
35–44
921
908
45–54
917
616
55–59
622
480
60–64
485
678
65–74
685
279
75–84
282
125
85+
127
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 3,168 | 22.7% |
| 18 and over | 10,776 | 77.3% |
| 65 and over | 2,176 | 15.6% |
| Median age | 41.0 years | |
Race & ethnicity
White
78.5%
Hispanic or Latino
7.2%
Two or more races
5.6%
Other race
3.7%
Black or African American
2.5%
Asian
2.1%
American Indian / Alaska Native
0.4%
Native Hawaiian / Pacific Islander
0.1%
| Group | Count | % |
|---|---|---|
| White | 11,802 | 78.5% |
| Hispanic or Latino | 1,083 | 7.2% |
| Two or more races | 838 | 5.6% |
| Other race | 551 | 3.7% |
| Black or African American | 370 | 2.5% |
| Asian | 309 | 2.1% |
| American Indian / Alaska Native | 54 | 0.4% |
| Native Hawaiian / Pacific Islander | 20 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 41.7% | 48.1% | 43.8% |
| $50k – $100k | 35.5% | 32.1% | 31.5% |
| $100k – $200k | 19.7% | 16.5% | 19.5% |
| Over $200k | 3.1% | 3.3% | 5.2% |
Under $10k
2.9%
$10k–$15k
2.5%
$15k–$25k
9.3%
$25k–$35k
4.5%
$35k–$50k
16.3%
$50k–$75k
18.0%
$75k–$100k
15.5%
$100k–$150k
17.3%
$150k–$200k
7.3%
$200k+
6.3%
| Range | % of households |
|---|---|
| Under $10k | 2.9% |
| $10k–$15k | 2.5% |
| $15k–$25k | 9.3% |
| $25k–$35k | 4.5% |
| $35k–$50k | 16.3% |
| $50k–$75k | 18.0% |
| $75k–$100k | 15.5% |
| $100k–$150k | 17.3% |
| $150k–$200k | 7.3% |
| $200k+ | 6.3% |
| Median income | $69,717 |
Housing
Home values
Under $50k
5.2%
$50k–$100k
23.0%
$100k–$150k
13.5%
$150k–$200k
15.7%
$200k–$300k
15.8%
$300k–$500k
18.4%
$500k–$1M
6.7%
$1M+
1.5%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $172,600 |
| Median rent / month | $923 |
| Owner occupied | 71.0% |
| Renter occupied | 29.0% |
| Vacant | 10.9% |
| Single-family detached | 86.3% |
| Large apartment buildings | 0.5% |
| Mobile homes | 3.8% |
| Median rooms | 6.3 |
| Avg household size (owned) | 2.70 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.4% |
| 2010–2019 | 8.0% |
| 2000–2009 | 7.4% |
| 1990–1999 | 11.2% |
| 1980–1989 | 7.1% |
| 1970–1979 | 13.0% |
| 1960–1969 | 7.5% |
| 1950–1959 | 9.1% |
| 1940–1949 | 11.5% |
| 1939 or earlier | 24.7% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.2% |
| 1 bedroom | 4.6% |
| 2 bedrooms | 28.7% |
| 3 bedrooms | 43.4% |
| 4 bedrooms | 15.1% |
| 5+ bedrooms | 6.9% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 3.6% |
| 1 vehicle | 30.1% |
| 2 vehicles | 44.3% |
| 3 or more | 21.9% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 61.7% |
| Electricity | 32.9% |
| Propane / LP gas | 3.4% |
| Fuel oil | 0.2% |
| Wood | 0.3% |
| Solar | 0.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 2,521 | 48.6% |
| Cohabiting couple | 598 | 11.5% |
| Male householder, no spouse | 949 | 18.3% |
| Female householder, no spouse | 1,121 | 21.6% |
| Households with children under 18 | 1,636 | 31.5% |
| Households with seniors (65+) | 1,479 | 28.5% |
| Average household size | 2.67 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 30.4% | 26.5% |
| Married | 50.9% | 47.9% |
| Separated | 0.3% | 1.4% |
| Widowed | 2.7% | 9.3% |
| Divorced | 15.7% | 15.0% |
Education
Less than 9th grade
2.4%
Some HS, no diploma
4.6%
HS graduate
38.6%
Some college, no degree
21.3%
Associate's degree
6.1%
Bachelor's degree
16.0%
Graduate / professional
11.0%
| Metric | % |
|---|---|
| HS diploma or higher | 93.1% |
| Bachelor's or higher | 27.0% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 176 | 5.8% |
| Kindergarten | 139 | 4.6% |
| Elementary school | 1,449 | 48.0% |
| High school | 808 | 26.8% |
| College / grad school | 447 | 14.8% |
Employment
Industry of employment
Education & healthcare
26.5%
Manufacturing
18.8%
Retail trade
11.4%
Transportation & utilities
8.5%
Professional & management
6.9%
Arts, food & hospitality
6.6%
Construction
6.4%
Finance & real estate
5.2%
Other services
3.4%
Public administration
2.8%
Wholesale trade
1.7%
Information
1.0%
Agriculture & mining
0.8%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 33.4% |
| Service | 15.7% |
| Sales & office | 19.6% |
| Natural resources & construction | 9.0% |
| Production & transportation | 22.3% |
Employment type
| Type | % |
|---|---|
| Private sector | 82.7% |
| Government | 13.7% |
| Self-employed | 3.5% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 84.8% |
| Carpool | 6.9% |
| Public transit | 0.6% |
| Walk | 2.0% |
| Work from home | 5.1% |
| Other means | 0.7% |
| Avg commute (minutes) | 17.5 |
Poverty
All people
13.0%
Under 18 years
21.0%
18 and over
10.7%
Married-couple families
2.6%
Female-led households
27.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 29.1% |
| Retirement income | 29.9% |
| Supplemental Security | 4.8% |
| Cash public assistance | 5.2% |
| Food stamps / SNAP | 10.8% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 36.8% |
| High blood pressure | 32.3% |
| High cholesterol | 33.7% |
| Diabetes | 10.4% |
| Heart disease | 7.3% |
| Stroke | 3.3% |
| Asthma | 9.7% |
| Arthritis | 28.5% |
| Kidney disease | 3.0% |
| Pulmonary disease | 8.7% |
| Cancer | 7.0% |
| Behavior / access | % |
|---|---|
| Smoking | 21.9% |
| Binge drinking | 16.8% |
| No physical activity | 26.2% |
| Less than 7 hrs sleep | 32.9% |
| Depression | 25.2% |
| Fair or poor health | 16.8% |
| Poor mental health | 16.5% |
| Poor physical health | 12.1% |
| No health insurance | 15.7% |
| Visited doctor (checkup) | 74.1% |
| Visited dentist | 59.0% |
| Cholesterol screening | 87.8% |
| Teeth loss | 17.4% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 891 | 8.3% |
| Disability | % |
|---|---|
| Any disability | 14.0% |
| Under 18 | 4.8% |
| 18–64 years | 12.3% |
| 65 and over | 35.1% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 70.3% |
| Public insurance | 32.6% |
| No insurance | 9.9% |
| Uninsured under 19 | 5.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 13,114 | 94.0% |
| Spanish | 108 | 0.8% |
| Other Indo-European | 59 | 0.4% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 49 | 0.4% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 13,389 | 96.0% |
| Born in same state | 13,272 | 95.2% |
| Born in different state | 10,251 | 73.5% |
| Foreign born | 117 | 0.8% |
| Naturalized citizen | 555 | 4.0% |
| Not a US citizen | 400 | 72.1% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 1,670 | 12% |
| French | 1,611 | 11.6% |
| Arab | 854 | 6.1% |
| English | 175 | 1.3% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 67 | 0.5% |
| Dutch | 20 | 0.1% |
| Norwegian | 7 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 37.2% |
| Internet access | 94.4% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 64505
What city is ZIP code 64505 in?
ZIP code 64505 is primarily assigned to Saint Joseph, Missouri.
What county is ZIP code 64505 in?
ZIP code 64505 falls within Buchanan County, Missouri.
What is the typical home value in ZIP code 64505?
The median home value in ZIP code 64505 is $172,600.
What is the population of ZIP code 64505?
ZIP code 64505 has an estimated population of 13,944 residents, with a density of 305 people per square mile.
What is the median household income in ZIP code 64505?
The median household income in ZIP code 64505 is $69,717, below the national median of ~$75,000.
What timezone is ZIP code 64505 in?
ZIP code 64505 observes the CST timezone.