Saint Joseph, MO

ZIP code 64501 is assigned to Saint Joseph, MO, and falls within Buchanan County. Like every US postal code, it began as a mail-routing device rather than a geographic boundary — the US Postal Service groups delivery routes under a single code so carriers and sorting equipment can process mail efficiently. Today it also serves as a practical shorthand for the area itself: roughly 10,354 people live inside it.

At 2,789 residents per square mile spread over 3.713 square miles, 64501 reads as a suburban area. It is a mid-sized postal code by population, and density shapes almost everything else on this page — how people get to work, whether they own or rent, and what housing costs.

Household earnings are well below the national median. At $41,615, 64501 ranks among the lower-income postal codes, ahead of 7% of them. The US median for comparison is $70,109. Bear in mind that median income describes the midpoint household, not the average — it is not pulled upward by a handful of very high earners the way a mean would be.

Housing in 64501 costs well below the national median. A typical home is valued at $97,400 against a US median of $207,500, and median gross rent runs $823 a month. The split between owning and renting is fairly even at 47.4% owner-occupied, which tends to indicate a mix of housing types rather than one dominant form.

The building stock is dominated by detached single-family houses, which account for 64.0% of housing units here. The median construction year is 1938, making the housing here largely pre-war. The vacancy rate of 24.0% is high, which in many places reflects seasonal or second-home use rather than abandonment.

The population skews younger than the country as a whole, with a median age of 35.3 against 42 nationally. The average household holds 2.43 people, and 47.8% are family households.

Getting to work takes 19.0 minutes on average one way. The dominant mode is drove alone at 78.4% of workers.

Beyond addressing mail, 64501 does a lot of quiet administrative work. Retailers use it to calculate shipping and sales tax at checkout. Insurers use it to set premiums, since risk profiles vary geographically. Employers and marketers use it to define service areas. Government agencies use it to route benefits and organise reporting. If you have ever been asked for a postal code by a form that clearly does not intend to send you anything, this is why.

For anyone weighing a move, 64501 offers a compact profile of Saint Joseph: 10,354 residents, a median household income of $41,615, 18.0% of adults holding a bachelor's degree or higher, and an unemployment rate of 4.9%. A handful of figures like these answer more relocation questions than most neighbourhood guides do.

One caution worth repeating: a postal code is not a neighbourhood. 64501 may cover parts of several distinct areas, and a single neighbourhood in Saint Joseph may be split across more than one code. Boundaries also shift as USPS adjusts delivery routes. Treat the figures here as describing a delivery area, which is what they actually measure.