64506 — St. Joseph, Missouri

Unemployment of 4.2% is lower than 60% of the 6,544 measured US ZIP areas.

Employment grew 0.4% over the past year, to 31,284 employed residents.

33% of adults hold a four-year degree, higher than 70% of measured US ZIP areas.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for St. Joseph, MO, the city containing this ZIP code.

Prices for everything a household buys run about 12% below the national average, on the Bureau of Economic Analysis index. Housing drives most of that difference.

Median rent of $896 takes 16% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.7 times median household income here, above the historic benchmark of about three times income.

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 88°F and January a low of 17°F.

Normal annual precipitation is 34.8 inches.

Air quality measures a median index of 44, in the Good band, and no day in the year passed 100.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime

Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.

Taxes

Taxes are not published: no source covers them nationally with a method open enough to check. Cost of living now is — the index above is the Bureau of Economic Analysis price parity for this area — but it is a price level for all consumption rather than a budget for a household, its spread is driven mostly by housing, and it excludes taxes. Housing affordability is computed separately from rent, price and income, because that answers a narrower and more actionable question. Nothing here is individualised tax advice.

Anything about a specific address

Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Put 64506 side by side with a similar place.

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

How this ZIP area compares with St. Joseph as a whole. Both figures come from the same ACS release, so the comparison is like for like.

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.