64501 ZIP Code — Saint Joseph, MO

Buchanan County, Missouri

ZIP code 64501 is located in Saint Joseph, Missouri, within Buchanan County. It covers approximately 3.71 square miles and serves a population of 10,567 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 816.

About ZIP code 64501

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $97,300. Renters make up the majority at 55%, typical of denser urban areas.

Median household income is $41,308. Poverty affects 24% of residents, above the national average. SNAP benefit usage at 22% of households reflects economic stress in the area.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 16 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 (29%) compared to national benchmarks. 18% of residents lack health insurance, above the national average.

Overall, ZIP code 64501 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and elevated reliance on food assistance.

10,567

population

3.71

sq mi land

Standard

ZIP type

Central (CT)

timezone

64501 ZIP code map

Cities in ZIP code 64501

Below are the cities the US Postal Service accepts for ZIP code 64501. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Joseph	Acceptable
Saint Joseph	Preferred

Nearby ZIP codes

64503 Saint Joseph (2.4 mi) 64506 Saint Joseph (3.1 mi) 64507 Saint Joseph (4.4 mi) 64505 Saint Joseph (4.5 mi) 64504 Saint Joseph (6.8 mi) 66090 Wathena (7.3 mi) 64443 Easton (8.5 mi) 64401 Agency (9.9 mi) 64448 Faucett (10.6 mi) 64436 Cosby (10.8 mi) 64421 Amazonia (10.9 mi) 64485 Savannah (11.9 mi)

Demographics updated 05/2026

Population
Total population	10,567
Population density	2,848 / sq mi
State FIPS	29
County FIPS	021

Geography
Land area	3.71 sq mi
Water area	0.25 sq mi
Latitude	39.7581
Longitude	-94.8383
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	68.7%	48.1%	43.8%
$50k – $100k	24.8%	32.1%	31.5%
$100k – $200k	5.6%	16.5%	19.5%
Over $200k	0.9%	3.3%	5.2%

Demographics & statistics

10,567

Population

2,848

People per sq mi

35.7

Median age

$41,308

Median household income

$24,502

Per capita income

$97,300

Median home value

$817

Median monthly rent

44.6%

Home ownership

23.7%

Poverty rate

5.7%

Unemployment

3,215

Housing units

19.5%

Bachelor's or higher

Age distribution

Male Female

343

Under 5

323

407

5–9

384

419

10–14

395

296

15–19

278

450

20–24

423

747

25–34

704

731

35–44

688

716

45–54

674

266

55–59

250

384

60–64

361

440

65–74

415

161

75–84

152

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,623	24.8%
18 and over	7,944	75.2%
65 and over	1,328	12.6%
Median age	35.7 years

Race & ethnicity

White 67.2%

Black or African American 12.3%

Two or more races 8%

Hispanic or Latino 6.5%

Other race 4.1%

Asian 0.8%

Native Hawaiian / Pacific Islander 0.8%

American Indian / Alaska Native 0.1%

Group	Count	%
White	7,601	67.2%
Black or African American	1,395	12.3%
Two or more races	908	8%
Hispanic or Latino	737	6.5%
Other race	469	4.1%
Asian	94	0.8%
Native Hawaiian / Pacific Islander	85	0.8%
American Indian / Alaska Native	15	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	68.7%	48.1%	43.8%
$50k – $100k	24.8%	32.1%	31.5%
$100k – $200k	5.6%	16.5%	19.5%
Over $200k	0.9%	3.3%	5.2%

Under $10k 8.9%

$10k–$15k 11.1%

$15k–$25k 14.8%

$25k–$35k 9.7%

$35k–$50k 12.8%

$50k–$75k 12.4%

$75k–$100k 14.9%

$100k–$150k 11.1%

$150k–$200k 2.2%

$200k+ 2.1%

Range	% of households
Under $10k	8.9%
$10k–$15k	11.1%
$15k–$25k	14.8%
$25k–$35k	9.7%
$35k–$50k	12.8%
$50k–$75k	12.4%
$75k–$100k	14.9%
$100k–$150k	11.1%
$150k–$200k	2.2%
$200k+	2.1%
Median income	$41,308

Housing

Home values

Under $50k 17.6%

$50k–$100k 35.1%

$100k–$150k 22.7%

$150k–$200k 10.5%

$200k–$300k 10.9%

$300k–$500k 0.6%

$500k–$1M 2.5%

Housing overview

Metric	Value
Median home value	$97,300
Median rent / month	$817
Owner occupied	44.6%
Renter occupied	55.4%
Vacant	22.3%
Single-family detached	61.5%
Large apartment buildings	11.5%
Mobile homes	0.4%
Median rooms	5.1
Avg household size (owned)	2.78

Year built

Era	%
2020 or later	0.1%
2010–2019	2.1%
2000–2009	5.8%
1990–1999	2.6%
1980–1989	2.6%
1970–1979	8.3%
1960–1969	5.2%
1950–1959	13.4%
1940–1949	7.2%
1939 or earlier	52.6%

Bedrooms

Size	% of units
No bedroom (studio)	6.4%
1 bedroom	22.4%
2 bedrooms	28.9%
3 bedrooms	26.0%
4 bedrooms	12.3%
5+ bedrooms	4.0%

Vehicles per household

Vehicles	% of households
No vehicle	19.4%
1 vehicle	40.5%
2 vehicles	26.5%
3 or more	13.6%

Heating fuel

Fuel type	%
Utility gas	56.9%
Electricity	40.8%
Propane / LP gas	1.4%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	1,293	29.5%
Cohabiting couple	334	7.6%
Male householder, no spouse	1,160	26.4%
Female householder, no spouse	1,599	36.5%
Households with children under 18	1,225	27.9%
Households with seniors (65+)	1,001	22.8%
Average household size	2.32

Marital status

Status	Male	Female
Never married	44.8%	34.3%
Married	37.8%	33.7%
Separated	0.6%	2.4%
Widowed	2.7%	6.5%
Divorced	14.2%	23.2%

Education

Less than 9th grade 4.5%

Some HS, no diploma 5.7%

HS graduate 39.8%

Some college, no degree 25.5%

Associate's degree 5.0%

Bachelor's degree 13.6%

Graduate / professional 5.9%

Metric	%
HS diploma or higher	89.9%
Bachelor's or higher	19.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	137	5.1%
Kindergarten	289	10.7%
Elementary school	1,233	45.8%
High school	375	13.9%
College / grad school	659	24.5%

Employment

Industry of employment

Education & healthcare 23.2%

Manufacturing 16.1%

Retail trade 10.3%

Arts, food & hospitality 10.2%

Transportation & utilities 8.6%

Construction 7.5%

Professional & management 7.3%

Other services 6.0%

Finance & real estate 4.5%

Wholesale trade 2.3%

Public administration 2.1%

Agriculture & mining 1.0%

Information 0.9%

Occupation

Category	%
Management, business & arts	26.0%
Service	18.7%
Sales & office	19.6%
Natural resources & construction	9.8%
Production & transportation	25.9%

Employment type

Type	%
Private sector	83.0%
Government	8.9%
Self-employed	7.8%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	77.3%
Carpool	13.1%
Public transit	1.5%
Walk	1.5%
Work from home	4.5%
Other means	2.1%
Avg commute (minutes)	16.2

Poverty

All people 23.7%

Under 18 years 26.7%

18 and over 22.8%

Married-couple families 8.4%

Female-led households 40.1%

Income support

Source	% of households
Social Security	27.8%
Retirement income	20.8%
Supplemental Security	7.5%
Cash public assistance	8.3%
Food stamps / SNAP	21.8%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	32.5%
High cholesterol	30.5%
Diabetes	11.5%
Heart disease	7.1%
Stroke	3.7%
Asthma	10.9%
Arthritis	26.6%
Kidney disease	3.2%
Pulmonary disease	10.1%
Cancer	5.4%

Behavior / access	%
Smoking	28.6%
Binge drinking	16.9%
No physical activity	31.7%
Less than 7 hrs sleep	36.8%
Depression	27.2%
Fair or poor health	22.5%
Poor mental health	19.7%
Poor physical health	14.4%
No health insurance	21.8%
Visited doctor (checkup)	72.7%
Visited dentist	47.8%
Cholesterol screening	83.0%
Teeth loss	25.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	588	7.4%

Disability	%
Any disability	22.0%
Under 18	10.9%
18–64 years	22.2%
65 and over	44.2%

Health insurance coverage

Type	%
Private insurance	50.3%
Public insurance	41.1%
No insurance	17.7%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,901	93.7%
Spanish	413	4.2%
Other Indo-European	360	3.6%
Asian & Pacific Islander	22	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,887	93.6%
Born in same state	9,783	92.6%
Born in different state	7,065	66.9%
Foreign born	104	1.0%
Naturalized citizen	680	6.4%
Not a US citizen	174	25.6%

Ancestry

Ancestry	Count	%
Italian	1,721	16.3%
French	1,168	11.1%
Arab	626	5.9%
English	144	1.4%

Ancestry	Count	%
Polish	86	0.8%
Dutch	20	0.2%
Irish	13	0.1%

Technology access

Metric	% of households
Computer access	41.5%
Internet access	90.4%

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

Frequently asked questions about ZIP code 64501

What city is ZIP code 64501 in?

ZIP code 64501 is primarily assigned to Saint Joseph, Missouri.

What county is ZIP code 64501 in?

ZIP code 64501 falls within Buchanan County, Missouri.

What is the poverty rate in ZIP code 64501?

24% of residents in ZIP code 64501 live below the poverty line, above the national average.

Is ZIP code 64501 mostly rentals?

55% of occupied units in ZIP code 64501 are renter-occupied.

What is the typical home value in ZIP code 64501?

The median home value in ZIP code 64501 is $97,300.

What is the median household income in ZIP code 64501?

The median household income in ZIP code 64501 is $41,308, below the national median of ~$75,000.

What timezone is ZIP code 64501 in?

ZIP code 64501 observes the CST timezone.