Saint Joseph, MO
Buchanan County · Missouri · United States
Home to 10,286 people across 46.967 square miles.
At a glance
64504 by the numbers
Every figure below comes from the 2019–2023 American Community Survey 5-Year Estimates, the Census Gazetteer, or is computed from those. Margins of error are shown where they matter.
Location
Where 64504 is
| Coordinates | 39.691247, -94.905924 |
|---|---|
| Time zone | America/Chicago |
| County | Buchanan County |
| State | Missouri (MO) |
| Land area | 46.967 mi² |
| Coordinate source | Census ZCTA internal point |
Local time
America/Chicago
Current weather
Live from the National Weather Service
Loading forecast…
Distance to major cities
Straight-line, computed from coordinates
| Chicago, IL | 409.4 mi |
|---|---|
| Dallas, TX | 489.2 mi |
| Denver, CO | 535.7 mi |
| Houston, TX | 686.7 mi |
People
Who lives in 64504
10,286 residents in 3,962 households, averaging 2.6 people per household. The largest age group is under 18 at 24.7% of residents.
Age distribution
Share of residents by age band
Households
Composition and size
| Total households | 3,962 |
|---|---|
| Average household size | 2.6 |
| Family households | 65.1% |
| Living alone | 29.0% |
| Median age | 41.7 years |
| Households with internet | 80.3% |
Race & ethnicity
Census race categories. Hispanic or Latino origin is asked separately and overlaps these groups.
Income & work
What people earn in 64504
The median household here earns $55,300 a year, below the US median of $70,109, which puts 64504 ahead of 24% of American ZIP codes. 22.4% of residents live below the poverty line.
Compared to the US
This ZIP against the national median
| Median household income | $55,300 ±$6,150 |
|---|---|
| Per capita income | $29,408 |
| Poverty rate | 22.4% |
| Unemployment rate | 5.5% |
| Labor force participation | 55.9% |
Household income distribution
Share of households in each bracket
Educational attainment among residents 25 and older: 13.3% hold a bachelor's degree or higher, 82.7% finished high school.
Housing
Homes and rent in 64504
A typical home is valued at $115,100, and median rent runs $918 a month. This is an owner-majority area — 70.6% of occupied homes are owned, and the typical building went up in 1956.
Costs
Typical values
| Median home value | $115,100 |
|---|---|
| Median gross rent | $918/mo |
| Median year built | 1956 |
| Housing units | 4,431 |
| Vacancy rate | 10.6% |
Own vs. rent
Of 3,962 occupied units
| Owner households | 2,796 |
|---|---|
| Renter households | 1,166 |
Building types
Units by structure size
Getting to work
How 64504 commutes
82.7% of workers drove alone, and the average one-way trip takes 19.1 minutes.
Mode of transport
Workers 16 and older
Travel time
Mean commute 19.1 minutes
Overview
Understanding ZIP code 64504
ZIP code 64504 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 10,286 people live inside it.
At 219 residents per square mile spread over 46.967 square miles, 64504 reads as a small-town 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 run below the national median. At $55,300, 64504 sits in the lower half, ahead of 24% 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.
Living here
What life in Saint Joseph looks like
Housing in 64504 costs below the national median. A typical home is valued at $115,100 against a US median of $207,500, and median gross rent runs $918 a month. Ownership dominates: 70.6% of occupied homes are owner-occupied, which usually signals an established residential area with relatively low turnover.
The building stock is dominated by detached single-family houses, which account for 85.8% of housing units here. The median construction year is 1956, making the housing here mid-century.
The population skews broadly in line with the national age profile, with a median age of 41.7 against 42 nationally. The average household holds 2.6 people, and 65.1% are family households.
Getting to work takes 19.1 minutes on average one way. The dominant mode is drove alone at 82.7% of workers.
Where to stay
Where to stay in Saint Joseph, MO
Saint Joseph is a smaller community, so options inside 64504 may be limited to a handful of independent inns, motels or bed-and-breakfast properties. Travellers often widen the search to the surrounding area, where the choice is greater and prices are usually competitive.
Median rent in 64504 is $918 a month, which sits in the middle of the national range; accommodation pricing locally tends to be similarly mid-market. For reference, Chicago, IL is about 409.4 miles away in a straight line, which is worth factoring in if you are comparing a stay here against one closer to the city centre.
Availability and pricing change constantly, so the live search below will give you a more accurate picture than any figure we could publish here. It opens results for this area on Booking.com.
Opens Booking.com in a new tab. We are not affiliated with Booking.com and receive nothing from this link.
Practical uses
What ZIP code 64504 is used for
Beyond addressing mail, 64504 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, 64504 offers a compact profile of Saint Joseph: 10,286 residents, a median household income of $55,300, 13.3% of adults holding a bachelor's degree or higher, and an unemployment rate of 5.5%. 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. 64504 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.
Nearby
ZIP codes near 64504
The eight closest postal codes by centroid distance, each with its own full profile. You can also browse every Missouri ZIP code or use the ZIP Express Lookup to search by city, county or time zone.
Other ZIP codes in Saint Joseph
Saint Joseph is served by 8 postal codes.
More in Buchanan County
Look up another
Search any ZIP code
Questions
Common questions about 64504
What city is ZIP code 64504 in?
What is the population of 64504?
What is the average income in 64504?
How expensive is housing in 64504?
Is 64504 a good place to live?
What time zone is 64504 in?
How big is ZIP code 64504?
Is 64504 urban, suburban or rural?
How much is rent in 64504?
What is the commute like from 64504?
How many people work in 64504?
Where should I stay when visiting 64504?
Does 64504 cover more than one city or county?
Can ZIP code 64504 change?
Methodology
Where this data comes from
- Postal geography — GeoNames open postal code database (CC BY 4.0), cross-checked against the US Census Gazetteer.
- Demographics, income, housing, commute — US Census Bureau, American Community Survey 2019–2023 5-Year Estimates, ZIP Code Tabulation Area 64504. Tables B01001, B01002, B01003, B02001, B03003, B08301, B08303, B11001, B15003, B17001, B19001, B19013, B19301, B23025, B25002, B25003, B25024, B25035, B25064, B25077, B28002.
- Land and water area — US Census Bureau 2023 Gazetteer Files.
- Weather — NOAA National Weather Service, fetched live in your browser.
- Map — OpenStreetMap contributors (ODbL).