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Gerald city, MO

ZIP 63037 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63037

Median Home Value
$182,700
Median Rent
$526
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,174/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 63037 in Gerald city, 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.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.6%+31% vs US avg
x
Vacancy Rate
13.5%+31% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
40.8%+7% vs US avg
x
$182,700
Home Value
$526
Rent
1974
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached86.0%
  • 1-unit attached0.3%
  • 2-9 units4.4%
  • 10+ units0.9%
  • Mobile home & other8.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$182,700
Median rent$526
Owner-occupied85.6%
Vacant13.5%
Price-to-income3.1x
Est. income to buy$50,000