PlainZIP

Girard, IL · standard

ZIP Code 62640

Macoupin County, Illinois - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,756
19/sq mi
$66,116
Median income
$171,800
Median home value
15.7%
Bachelor's or higher

The verdict

Girard pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

40th pct
household income, US ZIPs
35th pct
home value, US ZIPs
19
people per sq mi
75%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 62640 against every reporting US ZIP.

ZIP code 62640 covers 197.7 square miles in Girard, Macoupin County, Illinois (a standard USPS delivery area), with a modest 3,756 residents on file, a density of 19 people per square mile, in the Chicago time zone.

ZIP 62640 reports a modest median household income of $66,116 (17% below the Illinois average), while per-capita income is $32,577. The poverty rate stands at 18.8% and the unemployment rate at 1.2%. Housing costs here run $171,800 for a typical home value (10% below the state average), with rent averaging $811 a month; 74.9% of homes are owner-occupied.

Educational attainment sits below the national norm: 15.7% of adults hold a bachelor's degree or higher, the median age is 46.2, and the average commute is 29 minutes. To put 62640 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Macoupin County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 62640

Top 5 sectors by establishment count in Girard, IL

Which industries have the most business establishments in ZIP 62640.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 62640, Girard, IL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

3,756

Population

197.7

Area (sq mi)

19

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 62640?

46.2

Median Age

49.0%

Male

51.0%

Female

0.6%

Foreign-Born

White 94.5%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 5.1%
Hispanic or Latino 1.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$66,116

Median Household Income

-17% vs state

$32,577

Per Capita Income

18.8%

Poverty Rate

1.2%

Unemployment Rate

28.9 min

Mean Commute Time

How ZIP 62640 ranks nationally

Girard, IL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$66,116 40th percentile higher than 40% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 61.6%
Bachelor's Degree or Higher 15.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,689

Total Housing Units

1,315

Occupied Units

374

Vacant Units

2.57

Avg Household Size

Occupancy Type

Owner 74.9%
Renter 25.1%

$171,800

Median Home Value

-10% vs state

$811

Median Rent

1971

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-2.2%

YoY Change (2024)

166

HPI Index (2000 = 100)

+66%

Total Change Since 2000

Home values in ZIP 62640 have decreased 2.2% over the past year (2024). Since 2000, this ZIP has seen +66% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.5% 133
2021 +7.6% 143
2022 -4.3% 137
2023 +24.1% 170
2024 -2.2% 166

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 50 business establishments in ZIP 62640, employing approximately 326 people with a combined annual payroll of $9,447,000.

50

Businesses

326

Employees

$9.4M

Annual Payroll

6

Industry Sectors

Industry Establishments % of Total
Construction 9 18.0%
Retail trade 9 18.0%
Other services (except public administration) 7 14.0%
Accommodation and food services 6 12.0%
Professional, scientific, and technical services 3 6.0%
Health care and social assistance 3 6.0%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 62640 vs 62672 →

ZIP 62640 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 62640 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 62640 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 62640 ranks #5 of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
62672 Nilwood, IL 244 2.5 mi
62690 Virden, IL 4,120 5.4 mi
62689 Thayer, IL 518 7.3 mi
62572 Waggoner, IL 666 7.5 mi
62530 Divernon, IL 1,532 11.7 mi
62692 Waverly, IL 2,093 12.5 mi

More ZIP Codes in Macoupin County

62626 standard
Carlinville, IL
Pop: 8,354
62088 standard
Staunton, IL
Pop: 6,960
62012 standard
Brighton, IL
Pop: 6,654
62033 standard
Gillespie, IL
Pop: 4,894
62014 standard
Bunker Hill, IL
Pop: 4,122
62690 standard
Virden, IL
Pop: 4,120

Related Areas

Macoupin County Girard, IL Illinois

Frequently Asked Questions

What county is ZIP code 62640 in? ▼
ZIP code 62640 (Girard) is located in Macoupin County, Illinois. Macoupin County contains multiple ZIP codes, see the full list at /counties/macoupin-il.
What is the population of ZIP code 62640? ▼
ZIP code 62640 in Girard, IL has a population of 3,756 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 62640? ▼
The median household income in ZIP 62640 is $66,116, which is 13% below the national average of $76,288.
What is the average home value in ZIP 62640? ▼
The median home value in ZIP 62640 is $171,800, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 62640? ▼
The largest racial group in ZIP 62640 is White at 94.5%. Hispanic or Latino residents make up 1.3% of the population.
How many businesses are in ZIP code 62640? ▼
ZIP code 62640 has 50 business establishments employing approximately 326 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 62640? ▼
The top industries by establishment count in ZIP 62640 are: Construction (9), Retail trade (9), Other services (except public administration) (7). There are 6 industry sectors represented in total.
How have home values changed in ZIP code 62640? ▼
According to the FHFA House Price Index, home values in ZIP 62640 decreased by 2.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 66%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 62640? ▼
In ZIP code 62640, 61.6% of residents aged 25+ have a high school diploma or higher, and 15.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 62640? ▼
The mean commute time for workers in ZIP code 62640 is 28.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 62640? ▼
In ZIP code 62640, approximately 74.9% of occupied housing units are owner-occupied and 25.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 62640? ▼
The poverty rate in ZIP code 62640 is 18.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.