Zip code 65109: Jefferson City, Missouri

Q: What city is zip code 65109?

65109 is assigned to Jefferson City, Missouri. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 65109 in?

65109 is in Cole County, Missouri.

Q: What is the population of 65109?

About 41,145 people live in 65109, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 65109?

The median household income in 65109 is $74,694.

Q: What zip codes are near 65109?

The closest zip codes to 65109 are 65111, 65053, 65102, 65103, 65104.

Residential delivery areaCole CountyCentral Time

Population

41,145

Median household income

$75K

U.S. $81K

Median home value

$222K

U.S. $333K

Median rent

$861/mo

U.S. $1,413

Median age

40.6

U.S. 38.9

Land area

81 sq mi

510 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 65109

65109 is a suburban zip code in Jefferson City, Missouri (Cole County), covering 81 sq mi of land. About 41,145 people live here, or 510 per square mile. The median resident is 40.6 years old, compared with 38.9 nationally.

The median household earns $74,694 a year, close to the national median of $80,734. 8.5% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $221,600, or 3.0 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 67% of occupied homes are lived in by their owners, and renters pay a median of $861 a month.

45% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 15.9 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in management; office and administrative support; and sales.

How 65109 compares

Sorted from highest to lowest national percentile

Government workers29.6%
98th
U.S. 14.5% · MO 13.2%39th of 967 in MO
Veterans8.5%
81st
U.S. 6.2% · MO 7.3%349th of 968 in MO
Bachelor's degree or higher45.3%
73rd
U.S. 35.7% · MO 32.4%74th of 965 in MO
Residents 65 and older19.6%
71st
U.S. 17.2% · MO 17.9%452nd of 968 in MO
Population41,145
69th
U.S. 334,922,499 · MO 6,191,81424th of 968 in MO
Tech workers4%
68th
U.S. 3.8% · MO 3.4%131st of 967 in MO
Median age40.6
62nd
U.S. 38.9 · MO 39537th of 968 in MO
Residents under 1822.6%
55th
U.S. 22% · MO 22.3%479th of 968 in MO
Per capita income$41,141
53rd
U.S. $44,673 · MO $39,695170th of 968 in MO
Median earnings per worker$47,289
47th
U.S. $49,666 · MO $45,780267th of 960 in MO
Homeownership rate66.7%
45th
U.S. 65.2% · MO 68.1%780th of 966 in MO
Median household income$74,694
43rd
U.S. $80,734 · MO $70,702271st of 934 in MO
Income inequality (Gini)0.425
41st
U.S. 0.483 · MO 0.465394th of 964 in MO
Housing vacancy5.6%
39th
U.S. 10.1% · MO 11.2%804th of 966 in MO
Broadband access90.3%
36th
U.S. 91% · MO 89.3%297th of 966 in MO
Poverty rate8.5%
35th
U.S. 12.5% · MO 12.6%664th of 966 in MO
Work from home10.1%
35th
U.S. 15.1% · MO 13%392nd of 967 in MO
Population density510/sq mi
33rd
U.S. 95/sq mi · MO 90/sq mi167th of 968 in MO
Uninsured rate4.7%
29th
U.S. 8.4% · MO 8.8%763rd of 968 in MO
Diversity index33.1
27th
U.S. 61.4 · MO 40.1190th of 968 in MO
Median home value$221,600
26th
U.S. $332,700 · MO $230,300260th of 917 in MO
Healthcare workers7.8%
25th
U.S. 9.7% · MO 10.4%611th of 967 in MO
Foreign-born residents3.5%
21st
U.S. 14.1% · MO 4.5%196th of 968 in MO
Unemployment rate2.9%
15th
StrengthU.S. 5.2% · MO 4%497th of 967 in MO
Self-employed workers6.5%
14th
U.S. 10% · MO 9%773rd of 967 in MO
Median gross rent$861
11th
U.S. $1,413 · MO $1,033329th of 783 in MO
Rent-burdened renters34.2%
8th
StrengthU.S. 51.1% · MO 45.6%536th of 908 in MO
Average commute15.9 min
2nd
StrengthU.S. 26.4 min · MO 23.5 min917th of 934 in MO

Measure	65109	Cole	MO	U.S.	National percentile	Rank in MO
Government workers	29.6%	27.6%	13.2%	14.5%	98th	39th of 967
Veterans	8.5%	7.7%	7.3%	6.2%	81st	349th of 968
Bachelor's degree or higher	45.3%	38.9%	32.4%	35.7%	73rd	74th of 965
Residents 65 and older	19.6%	18%	17.9%	17.2%	71st	452nd of 968
Population	41,145	77,032	6,191,814	334,922,499	69th	24th of 968
Tech workers	4%	4.1%	3.4%	3.8%	68th	131st of 967
Median age	40.6	39.9	39	38.9	62nd	537th of 968
Residents under 18	22.6%	22.1%	22.3%	22%	55th	479th of 968
Per capita income	$41,141	$39,068	$39,695	$44,673	53rd	170th of 968
Median earnings per worker	$47,289	$47,109	$45,780	$49,666	47th	267th of 960
Homeownership rate	66.7%	67.9%	68.1%	65.2%	45th	780th of 966
Median household income	$74,694	$74,876	$70,702	$80,734	43rd	271st of 934
Income inequality (Gini)	0.425	0.424	0.465	0.483	41st	394th of 964
Housing vacancy	5.6%	7.3%	11.2%	10.1%	39th	804th of 966
Broadband access	90.3%	89.5%	89.3%	91%	36th	297th of 966
Poverty rate	8.5%	9%	12.6%	12.5%	35th	664th of 966
Work from home	10.1%	9.2%	13%	15.1%	35th	392nd of 967
Population density	510/sq mi	197/sq mi	90/sq mi	95/sq mi	33rd	167th of 968
Uninsured rate	4.7%	5.8%	8.8%	8.4%	29th	763rd of 968
Diversity index	33.1	35.8	40.1	61.4	27th	190th of 968
Median home value	$221,600	$229,600	$230,300	$332,700	26th	260th of 917
Healthcare workers	7.8%	7.4%	10.4%	9.7%	25th	611th of 967
Foreign-born residents	3.5%	2.9%	4.5%	14.1%	21st	196th of 968
Unemployment rateStrength	2.9%	2.9%	4%	5.2%	15th	497th of 967
Self-employed workers	6.5%	7.3%	9%	10%	14th	773rd of 967
Median gross rent	$861	$834	$1,033	$1,413	11th	329th of 783
Rent-burdened rentersStrength	34.2%	34.5%	45.6%	51.1%	8th	536th of 908
Average commuteStrength	15.9 min	17.9 min	23.5 min	26.4 min	2nd	917th of 934

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

18%

5–17

18–24

12%

25–34

13%

35–44

12%

45–54

13%

55–64

11%

65–74

75+

Median age

40.6

Under 18

22.6%

65 and over

19.6%

Race and ethnicity

White81%
Black7%
Hispanic4%
Asian2%
Native American0.2%
Pacific Islander0.0%
Other0.3%
Multiracial5%

Diversity index

33.1

U.S. 61.4

Foreign-born

3.5%

U.S. 14.1%

Born in state

71.3%

Language spoken at home (households)

English only

94%

Spanish

Other Indo-European

Asian / Pacific

Other

0.7%

Households

Households: 17,306
Average household size: 2.4
Family households: 59.9%
Married couples: 45%
Living alone: 35.7%
Veterans (of adults): 8.5%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

19%

$50–75k

18%

$75–100k

14%

$100–150k

18%

$150–200k

$200k+

Median household income

65109

$74,694

Cole Co.

$74,876

Missouri

$70,702

United States

$80,734

Per capita income

$41,141

U.S. $44,673

Poverty rate

8.5%

U.S. 12.5%

Households earning $150K+

17.8%

U.S. 23%

Income inequality (Gini)

0.425

U.S. 0.483

Housing

Median home value

65109

$221,600

Cole Co.

$229,600

Missouri

$230,300

United States

$332,700

Median gross rent

65109

$861

Cole Co.

$834

Missouri

$1,033

United States

$1,413

Types of housing

Single-family

70%

2–4 units

16%

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 18,329
Owner-occupied: 66.7%
Vacant: 5.6%
Median year built: 1984
Median rooms: 6.1
Renters paying 30%+ of income: 34.2%
Renters paying 50%+ of income: 17.4%
Home value to income: 3.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

78%

Carpooled

Transit

0.3%

Walked

0.7%

Bicycle

0.1%

Worked from home

10%

Other

Commute time (one way)

<10 min

23%

10–19

52%

20–29

11%

30–44

10%

45–59

60+

Average commute

15.9 min

U.S. 26.4 min

Unemployment

2.9%

U.S. 5.2%

In labor force

65.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

13%

Office and admin

12%

Sales

11%

Business and finance

10%

Healthcare

Education

Construction and repair

Transportation and moving

Cleaning and personal care

Legal and social services

Computer and math

Food service

Production

Engineering and science

Police and fire

Arts, media and sports

Farming, fishing and forestry

0.1%

Industries

Public administration

16%

Health care and social assistance

15%

Retail

11%

Education

10%

Finance, insurance and real estate

Manufacturing

Professional and technical services

Construction

Transportation, warehousing and utilities

Restaurants and hotels

Other services

Admin, support and management

Wholesale

Arts and recreation

Information

Agriculture and mining

0.6%

Median earnings per worker

$47,289

U.S. $49,666

Self-employed

6.5%

U.S. 10%

Government workers

29.6%

U.S. 14.5%

Nonprofit workers

9.2%

U.S. 8.8%

Median earnings by type of work

Type of work	65109	U.S.
Management, business, science and arts	$60,574	$74,888
Service	$22,990	$26,804
Sales and office	$35,546	$40,476
Construction and maintenance	$51,707	$49,199
Production and transportation	$36,462	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

26%

Some college

18%

Associate's

Bachelor's

27%

Graduate

18%

High school graduate or higher: 96.8%
Bachelor's degree or higher: 45.3%
Graduate or professional degree: 17.9%
Households with broadband: 90.3%
Cable, fiber or DSL: 76%
No internet access: 7.1%
Without health insurance: 4.7%
Limited-English households: 1.1%

Geography

City (USPS): Jefferson City
State: Missouri
County: Cole County
Center point: 38.5735° N, 92.2768° W
Land area: 81 sq mi
Water area: 1.7 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Jefferson City20% of zip
St. Martins2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 65109

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
65111	Jefferson City, MO · PO box	3.3 mi	—	—	—
65053	Lohman, MO	5.5 mi	1,813	$120,870	$341,400
65102	Jefferson City, MO · PO box	5.6 mi	—	—	—
65103	Jefferson City, MO · PO box	5.6 mi	—	—	—
65104	Jefferson City, MO · PO box	5.6 mi	—	—	—
65105	Jefferson City, MO · PO box	5.6 mi	—	—	—
65106	Jefferson City, MO · PO box	5.6 mi	—	—	—
65107	Jefferson City, MO · PO box	5.6 mi	—	—	—
65108	Jefferson City, MO · PO box	5.6 mi	—	—	—
65110	Jefferson City, MO · PO box	5.6 mi	—	—	—
65023	Centertown, MO	8.5 mi	1,566	$72,663	$221,200
65101	Jefferson City, MO	9.4 mi	28,793	$74,807	$243,600

Zip codes like 65109 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 65109

What city is zip code 65109?

65109 is assigned to Jefferson City, Missouri. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 65109 in?

65109 is in Cole County, Missouri.

What is the population of 65109?

About 41,145 people live in 65109, according to the Census Bureau's American Community Survey.

What time zone is 65109 in?

65109 is in Central Time.

What is the median household income in 65109?

The median household income in 65109 is $74,694.

What zip codes are near 65109?

The closest zip codes to 65109 are 65111, 65053, 65102, 65103, 65104.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 65109, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.