ZIP Code 63131 — Town and Country city, MO Demographics & Data

ZIP code 63131 covers Town and Country, MO in St. Louis County with a population of about 17,993.

At a glance, the area shows median age of 46.2 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.

Town and Country, MO sits in a university / college context (near covenant theological seminary (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 63131 is about $209,306 — about 179% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.1%; unemployment rate near 2.2%; 83.3% of adults with a bachelor’s degree or higher (about 49.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Finance and insurance; about 16.8% of workers reporting work-from-home (about 1.6 points above 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 $734,300 — about 111% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,891 (about 63% above the U.S. median rent ($1,163)), and owner-occupancy near 92.8% (about 27.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63131 in Town and Country, MO, a household would need roughly $202,000 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 $4,717. That is roughly in line with the local median household income ($209,306). 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 Town and Country city, 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 Town and Country city, MO show little to no average snow and around 42.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 813 for ZIP 63131 (Town and Country 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.