ZIP Code 64505 — St. Joseph city, MO Demographics & Data

ZIP code 64505 covers St. Joseph, MO in Andrew County with a population of about 13,875.

At a glance, the area shows median age of 41.3 versus a U.S. median of about 38.9.

It sits in telephone area code 816; U.S. House district MO-6; the ST. JOSEPH media market.

Median household income in ZIP 64505 is about $70,741 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.6%; unemployment rate near 3.2%; 27.6% of adults with a bachelor’s degree or higher (about 6.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 7.6% of workers reporting work-from-home (about 7.6 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $186,000 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $692 (about 40% below the U.S. median rent ($1,163)), and owner-occupancy near 71.4% (about 6.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64505 in St. Joseph, MO, a household would need roughly $51,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,195. That sits below the local median household income ($70,741), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for St. Joseph city, MO as Very Low (composite score 22.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (50.2) and flood (24.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. Joseph city, MO show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 627 for ZIP 64505 (St. Joseph city, MO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.