ZIP Code 63128 — Concord CDP, MO Demographics & Data

ZIP code 63128 covers Concord, MO in St. Louis County with a population of about 30,106.

At a glance, the area shows median age of 48.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 314, 557; U.S. House district MO-2; the ST. LOUIS media market.

Median household income in ZIP 63128 is about $87,266 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.2%; unemployment rate near 4.5%; 46.9% of adults with a bachelor’s degree or higher (about 13.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Finance and insurance; about 15.8% 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 $319,700 — about 8% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $999 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 77.4% (about 12.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63128 in Concord, MO, a household would need roughly $88,000 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 $2,054. That is roughly in line with the local median household income ($87,266). 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 Concord CDP, MO as Relatively High (composite score 98.7), which is among the highest nationally. The strongest component scores on US5 are flood (97.0) and hurricane (32.1). 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 Concord CDP, MO show little to no average snow and around 43.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,361 for ZIP 63128 (Concord CDP, 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.