64503 ZIP Code — Saint Joseph, MO

Buchanan County, Missouri

ZIP code 64503 is located in Saint Joseph, Missouri, within Buchanan County. It covers approximately 14.48 square miles and serves a population of 12,033 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 816.

About ZIP code 64503

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 $127,500. Owner-occupancy sits near the national average at 67%.

Median household income is $52,197. SNAP benefit usage at 19% of households reflects economic stress in the area. 32% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with education and healthcare as the leading industry. The average commute of 15 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (26%) compared to national benchmarks. 15% of residents lack health insurance, above the national average.

Overall, ZIP code 64503 reflects a community defined by a trades-oriented workforce, a significant Social Security-dependent population, and elevated reliance on food assistance.

12,033

population

14.48

sq mi land

Standard

ZIP type

Central (CT)

timezone

64503 ZIP code map

Cities in ZIP code 64503

Below are the cities the US Postal Service accepts for ZIP code 64503. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Joseph	Preferred

Nearby ZIP codes

64507 Saint Joseph (2 mi) 64501 Saint Joseph (2.4 mi) 64506 Saint Joseph (4.3 mi) 64505 Saint Joseph (6.6 mi) 64443 Easton (6.8 mi) 64504 Saint Joseph (7 mi) 64401 Agency (7.5 mi) 64448 Faucett (8.6 mi) 66090 Wathena (9.5 mi) 64436 Cosby (11 mi) 64440 De Kalb (12.9 mi) 64421 Amazonia (13.3 mi)

Demographics updated 05/2026

Population
Total population	12,033
Population density	831 / sq mi
State FIPS	29
County FIPS	021

Geography
Land area	14.48 sq mi
Water area	0.22 sq mi
Latitude	39.7329
Longitude	-94.8068
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	52.7%	48.1%	43.8%
$50k – $100k	31.7%	32.1%	31.5%
$100k – $200k	14.7%	16.5%	19.5%
Over $200k	0.9%	3.3%	5.2%

Demographics & statistics

12,033

Population

831

People per sq mi

39.3

Median age

$52,197

Median household income

$29,070

Per capita income

$127,500

Median home value

$947

Median monthly rent

66.8%

Home ownership

16.7%

Poverty rate

5.3%

Unemployment

4,108

Housing units

16.3%

Bachelor's or higher

Age distribution

Male Female

448

Under 5

458

333

5–9

341

311

10–14

319

277

15–19

283

391

20–24

401

833

25–34

852

724

35–44

741

739

45–54

756

441

55–59

451

447

60–64

457

586

65–74

599

313

75–84

321

104

85+

107

← Male

Female →

Age summary

Group	Count	%
Under 18	2,558	21.3%
18 and over	9,475	78.7%
65 and over	2,030	16.9%
Median age	39.3 years

Race & ethnicity

White 85.3%

Two or more races 6.3%

Hispanic or Latino 3.5%

Black or African American 2%

Other race 1.4%

Asian 1.3%

American Indian / Alaska Native 0.2%

Group	Count	%
White	10,638	85.3%
Two or more races	781	6.3%
Hispanic or Latino	431	3.5%
Black or African American	255	2%
Other race	172	1.4%
Asian	167	1.3%
American Indian / Alaska Native	20	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.7%	48.1%	43.8%
$50k – $100k	31.7%	32.1%	31.5%
$100k – $200k	14.7%	16.5%	19.5%
Over $200k	0.9%	3.3%	5.2%

Under $10k 8.4%

$10k–$15k 2.2%

$15k–$25k 11.3%

$25k–$35k 9.7%

$35k–$50k 15.5%

$50k–$75k 18.6%

$75k–$100k 14.2%

$100k–$150k 11.3%

$150k–$200k 6.9%

$200k+ 2.0%

Range	% of households
Under $10k	8.4%
$10k–$15k	2.2%
$15k–$25k	11.3%
$25k–$35k	9.7%
$35k–$50k	15.5%
$50k–$75k	18.6%
$75k–$100k	14.2%
$100k–$150k	11.3%
$150k–$200k	6.9%
$200k+	2.0%
Median income	$52,197

Housing

Home values

Under $50k 17.6%

$50k–$100k 17.9%

$100k–$150k 26.4%

$150k–$200k 21.3%

$200k–$300k 12.0%

$300k–$500k 3.8%

$500k–$1M 0.9%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$127,500
Median rent / month	$947
Owner occupied	66.8%
Renter occupied	33.2%
Vacant	14.0%
Single-family detached	75.6%
Large apartment buildings	5.6%
Mobile homes	7.6%
Median rooms	5.5
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.2%
2010–2019	3.0%
2000–2009	7.0%
1990–1999	5.7%
1980–1989	13.2%
1970–1979	13.3%
1960–1969	19.1%
1950–1959	8.3%
1940–1949	6.8%
1939 or earlier	23.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	8.7%
2 bedrooms	29.9%
3 bedrooms	47.8%
4 bedrooms	8.6%
5+ bedrooms	2.9%

Vehicles per household

Vehicles	% of households
No vehicle	8.6%
1 vehicle	36.7%
2 vehicles	32.8%
3 or more	21.9%

Heating fuel

Fuel type	%
Utility gas	65.1%
Electricity	29.9%
Propane / LP gas	4.2%
Wood	0.7%
Solar	0.1%

Households & families

Household type	Count	%
Married-couple family	1,984	40.1%
Cohabiting couple	806	16.3%
Male householder, no spouse	905	18.3%
Female householder, no spouse	1,253	25.3%
Households with children under 18	1,520	30.7%
Households with seniors (65+)	1,521	30.7%
Average household size	2.43

Marital status

Status	Male	Female
Never married	35.9%	21.6%
Married	42.6%	42.6%
Separated	2.2%	2.2%
Widowed	2.8%	11.9%
Divorced	16.5%	21.7%

Education

Less than 9th grade 3.1%

Some HS, no diploma 10.3%

HS graduate 39.8%

Some college, no degree 24.3%

Associate's degree 6.3%

Bachelor's degree 11.8%

Graduate / professional 4.6%

Metric	%
HS diploma or higher	86.7%
Bachelor's or higher	16.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	154	6.9%
Kindergarten	221	9.9%
Elementary school	954	42.6%
High school	445	19.8%
College / grad school	468	20.9%

Employment

Industry of employment

Education & healthcare 21.2%

Manufacturing 18.9%

Retail trade 15.4%

Arts, food & hospitality 11.1%

Transportation & utilities 7.0%

Professional & management 6.0%

Construction 4.9%

Finance & real estate 3.8%

Other services 3.8%

Wholesale trade 3.3%

Public administration 3.1%

Information 0.9%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	26.2%
Service	17.0%
Sales & office	22.6%
Natural resources & construction	7.4%
Production & transportation	26.8%

Employment type

Type	%
Private sector	81.7%
Government	12.6%
Self-employed	4.8%
Unpaid family workers	0.9%

Commute

Method	%
Drive alone	76.5%
Carpool	17.0%
Public transit	0.0%
Walk	0.1%
Work from home	5.2%
Other means	1.2%
Avg commute (minutes)	15.3

Poverty

All people 16.7%

Under 18 years 23.6%

18 and over 14.8%

Married-couple families 8.1%

Female-led households 22.0%

Income support

Source	% of households
Social Security	32.3%
Retirement income	27.3%
Supplemental Security	5.9%
Cash public assistance	6.3%
Food stamps / SNAP	19.3%

Health indicators

Condition	%
Obesity	36.9%
High blood pressure	32.3%
High cholesterol	33.3%
Diabetes	10.9%
Heart disease	7.4%
Stroke	3.5%
Asthma	10.2%
Arthritis	28.0%
Kidney disease	3.1%
Pulmonary disease	9.7%
Cancer	6.5%

Behavior / access	%
Smoking	25.5%
Binge drinking	16.8%
No physical activity	28.5%
Less than 7 hrs sleep	34.4%
Depression	26.6%
Fair or poor health	19.4%
Poor mental health	18.1%
Poor physical health	13.2%
No health insurance	18.9%
Visited doctor (checkup)	73.3%
Visited dentist	54.2%
Cholesterol screening	85.7%
Teeth loss	20.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	895	9.4%

Disability	%
Any disability	20.3%
Under 18	8.7%
18–64 years	17.8%
65 and over	43.8%

Health insurance coverage

Type	%
Private insurance	61.0%
Public insurance	36.3%
No insurance	15.4%
Uninsured under 19	8.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,127	92.5%
Spanish	168	1.5%
Other Indo-European	77	0.7%
Asian & Pacific Islander	91	0.8%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,753	97.7%
Born in same state	11,709	97.3%
Born in different state	9,406	78.2%
Foreign born	44	0.4%
Naturalized citizen	280	2.3%
Not a US citizen	217	77.5%

Ancestry

Ancestry	Count	%
Italian	1,417	11.8%
French	1,211	10.1%
Arab	932	7.7%
English	172	1.4%

Ancestry	Count	%
Polish	64	0.5%
German	56	0.5%
Irish	10	0.1%

Technology access

Metric	% of households
Computer access	41.1%
Internet access	94.2%

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

Frequently asked questions about ZIP code 64503

What city is ZIP code 64503 in?

ZIP code 64503 is primarily assigned to Saint Joseph, Missouri.

What county is ZIP code 64503 in?

ZIP code 64503 falls within Buchanan County, Missouri.

What is the poverty rate in ZIP code 64503?

17% of residents in ZIP code 64503 live below the poverty line, above the national average.

What is the typical home value in ZIP code 64503?

The median home value in ZIP code 64503 is $127,500.

Does ZIP code 64503 have a large veteran population?

9% of civilians in ZIP code 64503 are veterans, above the national average of ~7%.

What is the population of ZIP code 64503?

ZIP code 64503 has an estimated population of 12,033 residents, with a density of 831 people per square mile.

What timezone is ZIP code 64503 in?

ZIP code 64503 observes the CST timezone.