ZIP Code 63037 — Gerald city, MO Demographics & Data

ZIP code 63037 covers Gerald, MO in Franklin County with a population of about 2,826.

At a glance, the area shows median age of 48.3 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-2; the ST. LOUIS media market.

Median household income in ZIP 63037 is about $59,184 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.0%; unemployment rate near 6.7%; 19.0% of adults with a bachelor’s degree or higher (about 14.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 14.9% of workers reporting work-from-home (roughly in line with 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 $182,700 — about 48% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $526 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 85.6% (about 20.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63037 in Gerald, MO, a household would need roughly $50,000 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 $1,174. That sits below the local median household income ($59,184), 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 Gerald city, MO as Relatively Moderate (composite score 83.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.4) and wildfire (66.7). 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 Gerald city, MO show little to no average snow and around 45.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 128 for ZIP 63037 (Gerald 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.