64506 ZIP Code — Saint Joseph, MO

Buchanan County, Missouri

ZIP code 64506 is located in Saint Joseph, Missouri, within Buchanan County. It covers approximately 10.03 square miles and serves a population of 22,241 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 816.

About ZIP code 64506

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 $202,900. Owner-occupancy sits near the national average at 59%.

The gap between median ($60,657) and mean household income suggests income inequality — a small number of higher earners pull the average up. 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 15 minutes is near the national average.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

22,241

population

10.03

sq mi land

Standard

ZIP type

Central (CT)

timezone

64506 ZIP code map

Cities in ZIP code 64506

Below are the cities the US Postal Service accepts for ZIP code 64506. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Joseph	Acceptable
Saint Joseph	Preferred

Nearby ZIP codes

64501 Saint Joseph (3.1 mi) 64505 Saint Joseph (3.1 mi) 64503 Saint Joseph (4.3 mi) 64507 Saint Joseph (5.4 mi) 64443 Easton (7.4 mi) 64436 Cosby (7.8 mi) 66090 Wathena (8.9 mi) 64485 Savannah (9.5 mi) 64504 Saint Joseph (9.9 mi) 64421 Amazonia (9.9 mi) 64401 Agency (10.8 mi) 64459 Helena (12.2 mi)

Demographics updated 05/2026

Population
Total population	22,241
Population density	2,217 / sq mi
State FIPS	29
County FIPS	021

Geography
Land area	10.03 sq mi
Water area	0.05 sq mi
Latitude	39.7944
Longitude	-94.8042
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	43.8%	48.1%	43.8%
$50k – $100k	30.2%	32.1%	31.5%
$100k – $200k	20.6%	16.5%	19.5%
Over $200k	5.4%	3.3%	5.2%

Demographics & statistics

22,241

Population

2,217

People per sq mi

39.9

Median age

$60,657

Median household income

$35,380

Per capita income

$202,900

Median home value

$849

Median monthly rent

58.9%

Home ownership

14.1%

Poverty rate

3.6%

Unemployment

6,007

Housing units

34.0%

Bachelor's or higher

Age distribution

Male Female

518

Under 5

456

620

5–9

544

793

10–14

697

738

15–19

649

1,015

20–24

892

1,409

25–34

1,239

1,626

35–44

1,428

1,382

45–54

1,214

637

55–59

559

644

60–64

565

1,306

65–74

1,148

760

75–84

667

391

85+

344

← Male

Female →

Age summary

Group	Count	%
Under 18	4,496	20.2%
18 and over	17,745	79.8%
65 and over	4,616	20.8%
Median age	39.9 years

Race & ethnicity

White 74.9%

Two or more races 6.7%

Black or African American 6.6%

Hispanic or Latino 5.1%

Other race 3%

Asian 2.2%

Native Hawaiian / Pacific Islander 0.7%

American Indian / Alaska Native 0.7%

Group	Count	%
White	17,561	74.9%
Two or more races	1,563	6.7%
Black or African American	1,554	6.6%
Hispanic or Latino	1,192	5.1%
Other race	708	3%
Asian	526	2.2%
Native Hawaiian / Pacific Islander	172	0.7%
American Indian / Alaska Native	157	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.8%	48.1%	43.8%
$50k – $100k	30.2%	32.1%	31.5%
$100k – $200k	20.6%	16.5%	19.5%
Over $200k	5.4%	3.3%	5.2%

Under $10k 5.1%

$10k–$15k 8.3%

$15k–$25k 8.4%

$25k–$35k 8.9%

$35k–$50k 11.3%

$50k–$75k 16.9%

$75k–$100k 13.5%

$100k–$150k 12.3%

$150k–$200k 7.0%

$200k+ 8.2%

Range	% of households
Under $10k	5.1%
$10k–$15k	8.3%
$15k–$25k	8.4%
$25k–$35k	8.9%
$35k–$50k	11.3%
$50k–$75k	16.9%
$75k–$100k	13.5%
$100k–$150k	12.3%
$150k–$200k	7.0%
$200k+	8.2%
Median income	$60,657

Housing

Home values

Under $50k 3.0%

$50k–$100k 4.9%

$100k–$150k 13.7%

$150k–$200k 27.4%

$200k–$300k 29.0%

$300k–$500k 17.2%

$500k–$1M 4.0%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$202,900
Median rent / month	$849
Owner occupied	58.9%
Renter occupied	41.1%
Vacant	8.1%
Single-family detached	60.5%
Large apartment buildings	7.1%
Mobile homes	0.8%
Median rooms	5.7
Avg household size (owned)	2.46

Year built

Era	%
2020 or later	0.1%
2010–2019	3.3%
2000–2009	10.1%
1990–1999	9.8%
1980–1989	16.2%
1970–1979	21.4%
1960–1969	18.2%
1950–1959	7.9%
1940–1949	1.5%
1939 or earlier	11.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	12.5%
2 bedrooms	26.5%
3 bedrooms	36.9%
4 bedrooms	16.3%
5+ bedrooms	5.9%

Vehicles per household

Vehicles	% of households
No vehicle	7.1%
1 vehicle	37.8%
2 vehicles	36.4%
3 or more	18.7%

Heating fuel

Fuel type	%
Utility gas	56.2%
Electricity	41.5%
Propane / LP gas	1.5%
Wood	0.2%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	3,747	42.2%
Cohabiting couple	614	6.9%
Male householder, no spouse	1,733	19.5%
Female householder, no spouse	2,780	31.3%
Households with children under 18	2,237	25.2%
Households with seniors (65+)	3,179	35.8%
Average household size	2.28

Marital status

Status	Male	Female
Never married	38.3%	26.9%
Married	43.9%	42.9%
Separated	2.7%	0.6%
Widowed	2.9%	12.2%
Divorced	12.3%	17.5%

Education

Less than 9th grade 3.3%

Some HS, no diploma 5.6%

HS graduate 32.5%

Some college, no degree 18.3%

Associate's degree 6.2%

Bachelor's degree 22.9%

Graduate / professional 11.1%

Metric	%
HS diploma or higher	91.0%
Bachelor's or higher	34.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	197	3.8%
Kindergarten	176	3.4%
Elementary school	2,057	40.0%
High school	1,294	25.1%
College / grad school	1,424	27.7%

Employment

Industry of employment

Education & healthcare 28.9%

Manufacturing 19.7%

Retail trade 11.3%

Arts, food & hospitality 7.7%

Professional & management 6.0%

Finance & real estate 5.9%

Other services 4.9%

Public administration 4.6%

Construction 4.2%

Transportation & utilities 2.8%

Wholesale trade 1.8%

Information 1.4%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	37.5%
Service	14.6%
Sales & office	21.7%
Natural resources & construction	6.3%
Production & transportation	19.9%

Employment type

Type	%
Private sector	83.6%
Government	12.4%
Self-employed	4.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.0%
Carpool	11.4%
Public transit	0.1%
Walk	0.9%
Work from home	6.2%
Other means	1.4%
Avg commute (minutes)	14.8

Poverty

All people 14.1%

Under 18 years 15.0%

18 and over 13.8%

Married-couple families 4.2%

Female-led households 28.1%

Income support

Source	% of households
Social Security	36.3%
Retirement income	26.4%
Supplemental Security	4.4%
Cash public assistance	4.8%
Food stamps / SNAP	8.8%

Health indicators

Condition	%
Obesity	32.6%
High blood pressure	30.6%
High cholesterol	32.2%
Diabetes	9.5%
Heart disease	6.9%
Stroke	3.1%
Asthma	9.1%
Arthritis	26.2%
Kidney disease	2.8%
Pulmonary disease	7.5%
Cancer	7.1%

Behavior / access	%
Smoking	18.5%
Binge drinking	17.1%
No physical activity	23.6%
Less than 7 hrs sleep	31.8%
Depression	23.3%
Fair or poor health	14.9%
Poor mental health	15.4%
Poor physical health	10.5%
No health insurance	15.6%
Visited doctor (checkup)	74.1%
Visited dentist	62.2%
Cholesterol screening	87.6%
Teeth loss	16.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,436	8.2%

Disability	%
Any disability	14.1%
Under 18	2.1%
18–64 years	11.7%
65 and over	33.1%

Health insurance coverage

Type	%
Private insurance	73.5%
Public insurance	33.4%
No insurance	8.8%
Uninsured under 19	7.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	21,267	95.6%
Spanish	918	4.3%
Other Indo-European	365	1.7%
Asian & Pacific Islander	0	0.0%
Other languages	464	2.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	21,151	95.1%
Born in same state	20,901	94.0%
Born in different state	14,643	65.8%
Foreign born	250	1.1%
Naturalized citizen	1,090	4.9%
Not a US citizen	516	47.3%

Ancestry

Ancestry	Count	%
Italian	2,750	12.4%
French	2,728	12.3%
Arab	1,245	5.6%
Polish	359	1.6%

Ancestry	Count	%
English	190	0.9%
Dutch	106	0.5%
German	60	0.3%
Irish	32	0.1%

Technology access

Metric	% of households
Computer access	39.9%
Internet access	91.8%

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

Frequently asked questions about ZIP code 64506

What city is ZIP code 64506 in?

ZIP code 64506 is primarily assigned to Saint Joseph, Missouri.

What county is ZIP code 64506 in?

ZIP code 64506 falls within Buchanan County, Missouri.

Does ZIP code 64506 have a large retiree population?

36% of households in ZIP code 64506 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 64506?

ZIP code 64506 has an estimated population of 22,241 residents, with a density of 2,218 people per square mile.

What is the typical home value in ZIP code 64506?

The median home value in ZIP code 64506 is $202,900.

What is the median household income in ZIP code 64506?

The median household income in ZIP code 64506 is $60,657, below the national median of ~$75,000.

What timezone is ZIP code 64506 in?

ZIP code 64506 observes the CST timezone.