65076 ZIP Code — Saint Thomas, MO

Cole County, Missouri

ZIP code 65076 is located in Saint Thomas, Missouri, within Cole County. It covers approximately 25.50 square miles and serves a population of 548 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 65076

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $171,500. Owner-occupancy is high at 82%, well above the national average.

The gap between median ($61,923) and mean household income suggests income inequality — a small number of higher earners pull the average up. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with public administration as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Overall, ZIP code 65076 reflects a community defined by high homeownership and a significant Social Security-dependent population.

548
population
25.50
sq mi land
Standard
ZIP type
Central (CT)
timezone
65076 ZIP code map
Cities in ZIP code 65076

Below are the cities the US Postal Service accepts for ZIP code 65076. Using any city not on this list may result in mail delivery delays.

City Status
Saint Thomas Preferred
Nearby ZIP codes
65085 Westphalia (6.1 mi) 65040 Henley (7.2 mi) 65101 Jefferson City (8.1 mi) 65058 Meta (8.6 mi) 65075 Saint Elizabeth (9 mi) 65032 Eugene (10.1 mi) 65001 Argyle (10.9 mi) 65111 Jefferson City (12 mi) 65054 Loose Creek (13.5 mi) 65109 Jefferson City (13.9 mi) 65105 Jefferson City (13.9 mi) 65103 Jefferson City (13.9 mi)
Demographics updated 05/2026
Population
Total population 548
Population density 21 / sq mi
State FIPS 29
County FIPS 051
Geography
Land area 25.50 sq mi
Water area 0.67 sq mi
Latitude 38.3746
Longitude -92.1795
Timezone Central (CT)
Area code 573
Total population by age
Gender
Race & ethnicity
Economics updated 05/2026
Household income
Income range This ZIP County avg State avg
Under $50k 37.0% 39.3% 43.8%
$50k – $100k 31.5% 33.7% 31.5%
$100k – $200k 27.3% 23.9% 19.5%
Over $200k 4.2% 3.1% 5.2%

Demographics & statistics

548
Population
21
People per sq mi
41.0
Median age
$61,923
Median household income
$40,574
Per capita income
$171,500
Median home value
$0
Median monthly rent
82.1%
Home ownership
9.5%
Poverty rate
0.0%
Unemployment
208
Housing units
26.7%
Bachelor's or higher

Age distribution

Male Female
16
Under 5
16
21
5–9
21
7
10–14
7
17
15–19
18
19
20–24
20
36
25–34
37
24
35–44
24
30
45–54
32
24
55–59
25
19
60–64
19
47
65–74
48
10
75–84
10
0
85+
1
← Male
Female →

Age summary

GroupCount%
Under 189817.9%
18 and over45082.1%
65 and over11621.2%
Median age41.0 years

Race & ethnicity

White 91.2%
Hispanic or Latino 3%
Two or more races 3%
Asian 2.8%
GroupCount%
White51591.2%
Hispanic or Latino173%
Two or more races173%
Asian162.8%

Household income

Income range This ZIP County avg State avg
Under $50k 37.0% 39.3% 43.8%
$50k – $100k 31.5% 33.7% 31.5%
$100k – $200k 27.3% 23.9% 19.5%
Over $200k 4.2% 3.1% 5.2%
Under $10k 0.8%
$10k–$15k 0.4%
$15k–$25k 21.4%
$25k–$35k 0.8%
$35k–$50k 15.5%
$50k–$75k 13.9%
$75k–$100k 14.3%
$100k–$150k 21.0%
$150k–$200k 9.1%
$200k+ 2.8%
Range% of households
Under $10k0.8%
$10k–$15k0.4%
$15k–$25k21.4%
$25k–$35k0.8%
$35k–$50k15.5%
$50k–$75k13.9%
$75k–$100k14.3%
$100k–$150k21.0%
$150k–$200k9.1%
$200k+2.8%
Median income$61,923

Housing

Home values

Under $50k 0.5%
$50k–$100k 6.3%
$100k–$150k 35.7%
$150k–$200k 11.6%
$200k–$300k 20.8%
$300k–$500k 13.0%
$500k–$1M 11.6%
$1M+ 0.5%

Housing overview

MetricValue
Median home value$171,500
Median rent / month$0
Owner occupied82.1%
Renter occupied17.9%
Vacant0.4%
Single-family detached96.8%
Large apartment buildings0.0%
Mobile homes0.0%
Median rooms6.3
Avg household size (owned)2.35

Year built

Era%
2020 or later0.0%
2010–20196.3%
2000–200911.9%
1990–19999.1%
1980–19897.5%
1970–197936.8%
1960–19695.9%
1950–195911.1%
1940–19492.4%
1939 or earlier9.1%

Bedrooms

Size% of units
No bedroom (studio)0.4%
1 bedroom2.4%
2 bedrooms4.0%
3 bedrooms69.2%
4 bedrooms15.4%
5+ bedrooms8.7%

Vehicles per household

Vehicles% of households
No vehicle4.4%
1 vehicle6.7%
2 vehicles48.4%
3 or more40.5%

Heating fuel

Fuel type%
Utility gas4.8%
Electricity29.4%
Propane / LP gas21.0%
Wood33.7%
Solar3.6%
No fuel used4.4%

Households & families

Household typeCount%
Married-couple family13252.4%
Cohabiting couple52.0%
Male householder, no spouse4116.3%
Female householder, no spouse7429.4%
Households with children under 185321.0%
Households with seniors (65+)9236.5%
Average household size2.17

Marital status

StatusMaleFemale
Never married19.6%24.7%
Married66.0%52.2%
Separated4.8%3.2%
Widowed1.0%19.9%
Divorced8.6%0.0%

Education

Less than 9th grade 2.6%
Some HS, no diploma 0.3%
HS graduate 43.8%
Some college, no degree 14.8%
Associate's degree 11.9%
Bachelor's degree 21.2%
Graduate / professional 5.4%
Metric%
HS diploma or higher97.2%
Bachelor's or higher26.7%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool89.8%
Kindergarten33.7%
Elementary school3340.2%
High school2530.5%
College / grad school1315.9%

Employment

Industry of employment

Public administration 21.3%
Professional & management 16.5%
Retail trade 13.2%
Education & healthcare 11.4%
Agriculture & mining 9.0%
Manufacturing 8.1%
Other services 4.5%
Arts, food & hospitality 4.2%
Wholesale trade 3.6%
Transportation & utilities 3.3%
Finance & real estate 2.7%
Construction 1.5%
Information 0.6%

Occupation

Category%
Management, business & arts36.9%
Service15.3%
Sales & office16.8%
Natural resources & construction9.0%
Production & transportation21.9%

Employment type

Type%
Private sector64.9%
Government26.4%
Self-employed8.7%
Unpaid family workers0.0%

Commute

Method%
Drive alone85.0%
Carpool4.8%
Public transit0.0%
Walk0.6%
Work from home9.6%
Other means0.0%
Avg commute (minutes)25.8

Poverty

All people 9.5%
Under 18 years 38.8%
18 and over 3.1%
Married-couple families 0.0%
Female-led households 50.0%

Income support

Source% of households
Social Security40.9%
Retirement income24.6%
Supplemental Security0.8%
Cash public assistance0.0%
Food stamps / SNAP0.0%

Health indicators

Condition%
Obesity31.9%
High blood pressure26.9%
High cholesterol31.4%
Diabetes7.8%
Heart disease5.5%
Stroke2.4%
Asthma8.5%
Arthritis23.4%
Kidney disease2.2%
Pulmonary disease6.0%
Cancer6.1%
Behavior / access%
Smoking17.6%
Binge drinking19.9%
No physical activity20.3%
Less than 7 hrs sleep28.9%
Depression22.6%
Fair or poor health11.6%
Poor mental health14.6%
Poor physical health9.1%
No health insurance13.5%
Visited doctor (checkup)71.8%
Visited dentist66.5%
Cholesterol screening88.3%
Teeth loss13.4%

Veterans & disability

VeteransCount%
Civilian veterans224.9%
Disability%
Any disability4.0%
Under 183.1%
18–64 years4.8%
65 and over2.6%

Health insurance coverage

Type%
Private insurance77.2%
Public insurance21.5%
No insurance10.2%
Uninsured under 1931.9%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only51694.2%
Spanish20.4%
Other Indo-European00.0%
Asian & Pacific Islander20.4%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)53497.4%
Born in same state53497.4%
Born in different state49089.4%
Foreign born00.0%
Naturalized citizen142.6%
Not a US citizen1285.7%

Ancestry

AncestryCount%
Italian91.6%
AncestryCount%
French71.3%

Technology access

Metric% of households
Computer access46.0%
Internet access92.1%

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

Frequently asked questions about ZIP code 65076

What city is ZIP code 65076 in?

ZIP code 65076 is primarily assigned to Saint Thomas, Missouri.

What county is ZIP code 65076 in?

ZIP code 65076 falls within Cole County, Missouri.

Is ZIP code 65076 mostly owner-occupied?

82% of occupied units in ZIP code 65076 are owner-occupied, well above the national average.

Does ZIP code 65076 have a large retiree population?

41% of households in ZIP code 65076 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 65076?

The median home value in ZIP code 65076 is $171,500.

What is the population of ZIP code 65076?

ZIP code 65076 has an estimated population of 548 residents, with a density of 21 people per square mile.

What timezone is ZIP code 65076 in?

ZIP code 65076 observes the CST timezone.

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