ZIP Code 65109: Population, Income, Housing

State: MO

Total population: 41,145 Household income: $74,694 Rent: $861

Overview

Total population

41,145

Rent

$861

Year built

1984

Household income

$74,694

Per capita income

$41,141

Poverty rate

8.5%

Unemployment rate

N/A

Household size

2.4 persons

Rent over 30% of income

33.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

Missouri

County

Cole County

City

Jefferson City

Total population

41,145

Adults over 25

28,337

Total households

17,306

Household size

2.4 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$74,694

Per capita income

$41,141

Poverty rate

8.5%

Unemployment rate

N/A

Rent over 30% of income

33.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$861

Year built

1984

Households that rent

33.3%

Households that own

66.7%

Rooms per home (all homes)

6.1

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

82.4%

Black

6.7%

Asian

2.3%

Two or more races

6.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

4.1%

Not Hispanic or Latino

95.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

18,900 (89.9%)

Commute time to work

16 mins

Work from home

2,124 (10.1%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

19.8%

High school graduate or GED

26%

Some college or associate degree

8.8%

Bachelor’s degree or higher

45.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 65109 with: Cole County, MO Missouri United States

ZIP 65109

Total population41,145

Rent$861

Year built1984

Household income$74,694

Per capita income$41,141

Poverty rate8.5%

Unemployment rateN/A

Cole County, MO

Total population77,032

Rent$834

Year built1982

Household income$74,876

Per capita income$39,068

Poverty rate9%

Unemployment rate2.5%

Missouri State

Total population6,191,814

Rent$1,033

Year built1978

Household income$70,702

Per capita income$39,695

Poverty rate12.6%

Unemployment rate3.6%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP65109	CountyCole, MO	StateMissouri	CountryUnited States
Total population	41,145	77,032	6,191,814	334,922,499
Rent	$861	$834	$1,033	$1,413
Year built	1984	1982	1978	1980
Household income	$74,694	$74,876	$70,702	$80,734
Per capita income	$41,141	$39,068	$39,695	$44,673
Poverty rate	8.5%	9%	12.6%	12.5%
Unemployment rate	N/A	2.5%	3.6%	4%

View the full multi-level comparison →

Summary for 65109

Rent & Income

In 65109, the typical monthly rent is $861 and the typical household income is $74,694. Rent here is lower than Missouri, and household income is higher than Missouri. The estimated poverty rate is 8.5%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 33.3% of households. Around 33.6% of renters are cost-burdened, indicating a moderate level of rent pressure.

Education & Employment

Educational attainment is very high, with about 45.3% of adults holding a bachelor’s degree or higher.

ZIP 65109 — Rent vs Household Income

ZIP 65109 — Poverty

How ZIP 65109 compares in Missouri (47 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$861	4 / 47	from lower rent	$791 – $1,749
Household income	$74,694	27 / 47	from higher income	$41,154 – $136,385
Poverty rate	8.5%	24 / 47	from lower poverty	3.5% – 34.2%

Rankings are calculated among ZIP Codes in Missouri with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 65109

Rent

For rent, this ZIP is positioned 4th out of 47 ZIP Codes in Missouri. In Missouri as a whole, the range goes from $791 in ZIP 63901 up to $1,749 in ZIP 63304.

Household income

For household income, ZIP Code 65109 ranks 27th out of 47 ZIP Codes. Statewide, values range from $41,154 in ZIP 63136 up to $136,385 in ZIP 63122.

Poverty rate

For poverty levels, this ZIP is positioned 24th out of 47 ZIP Codes. Across Missouri, figures vary from 3.5% in ZIP 63304 up to 34.2% in ZIP 65201.

💰 Rent in ZIP Code 65109 (with Utilities)

Estimated Monthly Rent: $861 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 65109

Annual Household Income: $74,694

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 65109

Estimated Rate: 8.5%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 65109

In ZIP Code 65109, households that rent: 5,771 (33.3%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	5,771	33.3%
Owner-Occupied	11,535	66.7%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 65109

In ZIP Code 65109, cost-burdened renters (households spending over 30% of income on housing): 1,938 (33.6%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	1,938	33.6%
Other renter households	3,833	66.4%
Total renter households	5,771	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 65109

Less than High School: 5,619 people (19.8%)

Includes adults who did not complete high school.

High School Graduate or GED: 7,378 people (26%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,506 people (8.8%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 12,834 people (45.3%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 28,337

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.