Zip Code 65109
Jefferson City, Missouri — Cole County
📍 ZIP code 65109 is in Jefferson City, Cole County, Missouri.
ZIP code 65109 is located in Jefferson City, Cole County, Missouri. It is a zip code in the Central (CST/CDT) Time Zone with an estimated population of 40,390. The area code for ZIP code 65109 is 573.
Quick Answer
Zip code 65109 is in Jefferson City, Missouri (Cole County). It has a population of 40,390, median household income of $72,430, and median home value of $204,700.
Population
40,390
Income
$72,430
Home Value
$204,700
Climate
88°F / 21°F
About Zip Code 65109
Zip code 65109 is located in Jefferson City, Missouri, within Cole County. Home to approximately 40,390 residents, this area sits at an elevation of 724 ft and falls within the Central (CST/CDT) timezone. The local area code is 573.
The median household income is $72,430 per year, which is above the national median of $70,784. Homes in this zip code have a median value of $204,700, and the cost of living index is 79 (21% below the national average of 100).
Summers average a high of 88°F while winters drop to 21°F. The area receives about 44 in of rain and 9 in of snow annually. The zip code covers 82.2 square miles of land area and 1.8 square miles of water.
Key Statistics
40,390
$72,430
$204,700
Central (CST/CDT)
573
724 ft
82.2 sq mi
40.7
18,264
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Compare With Nearby Zip Codes
| Metric | 65109 | 65053 | 65023 | 65101 | 65039 | 65043 |
|---|---|---|---|---|---|---|
| City | Jefferson City, MO | Lohman, MO | Centertown, MO | Jefferson City, MO | Hartsburg, MO | Holts Summit, MO |
| Population | 40,390 | 1,541 | 1,546 | 29,777 | 3,148 | 9,994 |
| Median Income | $72,430 | $107,727 | $64,200 | $74,013 | $121,364 | $81,013 |
| Home Value | $204,700 | $328,600 | $210,600 | $234,600 | $408,600 | $209,600 |
| Cost of Living | 79 | 118 | 80 | 83 | 146 | 81 |
| Median Age | 40.7 | 45.6 | 52.1 | 37.7 | 45 | 36.2 |
Cost of Living
100 = National Average. Jefferson City's cost of living is 21% below the national average.
vs. State Avg
Below
Affordability
Very Affordable
Income-to-Home
2.8x
Demographics
Zip code 65109 has a population of 40,390 people with a median age of 40.7. There are 18,264 housing units in this area.
Racial & Ethnic Composition
Source: U.S. Census Bureau American Community Survey estimates.
Population History
Jefferson City (65109) population trend from 2010 to 2024
↓ -22.8%Source: U.S. Census Bureau estimates and American Community Survey data.
Climate & Weather
88°F
21°F
44 in
9 in
Jefferson City experiences warm summers with average highs around 88°F. Winters are cool with lows averaging 21°F. The area receives about 9 in of snow per year.
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Housing & Economy
Median Home Value
$204,700
Median Household Income
$72,430
With 18,264 housing units across 82.2 square miles, 65109 has a housing density of 222 units per square mile. The home price-to-income ratio is 2.8x.
Location & Geography
Latitude
38.5731°
Longitude
-92.2787°
Land Area
82.2 sq mi
Water Area
1.8 sq mi
Nearby Zip Codes
Zip codes closest to 65109 (Jefferson City, MO) with distances:
All Zip Codes in Jefferson City, MO
Other zip codes serving Jefferson City:
ZIP Codes with Similar Income Nationwide
The five U.S. ZIP codes whose median household income is closest to 65109's $72,430. A way to compare Jefferson City to economically similar communities elsewhere in the country.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
ZIP Codes with Similar Demographics
The five U.S. ZIP codes whose racial and ethnic composition most closely matches 65109 (Jefferson City, MO). Similarity is measured by cosine distance on the five-category ACS demographic vector.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
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People Also Ask
What zip code is Jefferson City, Missouri?
Jefferson City, Missouri uses zip code 65109 along with 1 other zip codes.
What county is zip code 65109 in?
Zip code 65109 is located in Cole County, Missouri.
What is the population of zip code 65109?
The population of zip code 65109 is 40,390 with a median age of 40.7.
Is 65109 in Jefferson City, Missouri?
Yes, zip code 65109 is in Jefferson City, Cole County, Missouri. The area code is 573.
Frequently Asked Questions
What city is zip code 65109 in?
Zip code 65109 is in Jefferson City, Missouri. It is part of Cole County and uses the Central (CST/CDT) timezone.
What is zip code 65109?
Zip code 65109 is a U.S. postal code in Jefferson City, Missouri (Cole County). It has a population of 40,390 and covers 82.2 square miles.
What is the population of zip code 65109?
The population of zip code 65109 (Jefferson City, MO) is 40,390 with a median age of 40.7. There are approximately 18,264 housing units in this area.
What is the median income in zip code 65109?
The median household income in zip code 65109 (Jefferson City, MO) is $72,430 per year. The cost of living index is 79 (100 = national average).
What is the average home price in zip code 65109?
The median home value in zip code 65109 (Jefferson City, MO) is $204,700. The cost of living index is 79 compared to the national average of 100.
What county is zip code 65109 in?
Zip code 65109 is located in Cole County, Missouri. The primary city is Jefferson City.
What is the area code for zip code 65109?
Zip code 65109 in Jefferson City, MO uses area code 573. It is located in the Central (CST/CDT) timezone.
Is zip code 65109 a good place to live?
Zip code 65109 (Jefferson City, MO) has a cost of living index of 79 (100 = national average), a median household income of $72,430, and median home values of $204,700. The median age is 40.7. Visit the full page for demographics, climate, and nearby zip code comparisons.
What is the cost of living in zip code 65109?
The cost of living index for zip code 65109 (Jefferson City, MO) is 79, where 100 represents the national average. This area is below the national average. Median home value: $204,700.
What schools serve zip code 65109?
Zip code 65109 in Jefferson City, Missouri is served by the local school district of Cole County. For specific school information, check your state's department of education or GreatSchools.org.
All demographic data on this page is sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code boundary and delivery data is sourced from the United States Postal Service (USPS). Data is updated periodically and may not reflect the most current figures. Census Bureau ZIP Code Tabulation Areas (ZCTAs) may differ slightly from USPS ZIP code boundaries.
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Data Sources
- Population, income, housing, age, and demographics
- U.S. Census Bureau, American Community Survey 5-Year Estimates, 2019-2023 vintage.
- ZIP to city and county mapping
- USPS and HUD-USPS ZIP-County Crosswalk.
- Time zones and area codes
- IANA tz database and NANPA.
- Elevation
- U.S. Geological Survey National Elevation Dataset (NED), via the USGS Elevation Point Query Service. Mapped to each ZCTA centroid coordinates. Last refreshed 2026-05-19.
- Last refreshed
- 2026-05-18.