ZIP Code 65109 — Jefferson City city, MO Demographics & Data

ZIP code 65109 covers Jefferson City, MO in Cole County with a population of about 40,390.

At a glance, the area shows median age of 40.7 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-3; the COLUMBIA - JEFFERSON CITY media market.

Median household income in ZIP 65109 is about $72,430 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 3.1%; 44.6% of adults with a bachelor’s degree or higher (about 10.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Healthcare, and Retail trade; about 8.5% of workers reporting work-from-home (about 6.7 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 $204,700 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $665 (about 43% below the U.S. median rent ($1,163)), and owner-occupancy near 64.8% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65109 in Jefferson City, MO, a household would need roughly $56,000 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 $1,315. That sits below the local median household income ($72,430), 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 Jefferson City city, MO as Relatively Low (composite score 73.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (73.5) and wildfire (71.7). 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 Jefferson City city, MO show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,826 for ZIP 65109 (Jefferson City 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.