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 Moderate-density area
- $66,116
- Median income Near-median income area
- $171,800
- Median home value Near-median home value
- 15.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 62640 (Girard, IL) fell -2.2% from 2023 to 2024. The all-transactions index moved from 170.0 in 2023 to 166.2 in 2024 (2000 = 100).
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 average Illinois ZIP), while per-capita income is $32,577. The poverty rate is 18.8%, with unemployment at 1.2%; those measures add context to the income figure. Median home value is $171,800 (10% below the average Illinois ZIP) and median rent is $811; 74.9% of occupied 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. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Macoupin County, so 62640 can be compared with both its immediate and county-level context.
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.
- Construction
Construction
9 establishments
- Retail trade
Retail trade
9 establishments
- Other services (except public administration)
Other services (except public administration)
7 establishments
- Accommodation and food services
Accommodation and food services
6 establishments
- Professional, scientific, and technical services 3
Professional, scientific, and technical services
3 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, 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
Who lives in ZIP 62640?
46.2
Median Age
49.0%
Male
51.0%
Female
0.6%
Foreign-Born
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 ZIP avg
$32,577
Per Capita Income
18.8%
Poverty Rate
1.2%
Unemployment Rate
28.9 min
Mean Commute Time
How ZIP 62640 ranks among Illinois ZIPs
Girard, IL household income vs. every Illinois ZIP code
Median household income among 1,334 reporting Illinois ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$66,116 35th percentile higher than 35% of 1,334 Illinois ZIPs
Each bar is a $20K-wide band; taller bars hold more Illinois 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,689housing units
1,689
Total Housing Units
1,315
Occupied Units
374
Vacant Units
2.57
Avg Household Size
Occupancy Type
$171,800
Median Home Value
-10% vs state ZIP avg
$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.
- 62690
Virden (62690)
4,120 residents
- 62640
Girard (62640)
3,756 residents
- 62692
Waverly (62692)
2,093 residents
- 62530 1,532
Divernon (62530)
1,532 residents
- 62572 666
Waggoner (62572)
666 residents
- 62689 518
Thayer (62689)
518 residents
- 62672 244
Nilwood (62672)
244 residents
What this shows Among its immediate neighbors, ZIP 62640 ranks #2 by population - useful context the national average alone can't give.
ZIP 62640 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 62572
Waggoner (62572)
$92,938 median income
- 62690
Virden (62690)
$84,196 median income
- 62530
Divernon (62530)
$82,188 median income
- 62692
Waverly (62692)
$66,143 median income
- 62640
Girard (62640)
$66,116 median income
- 62689
Thayer (62689)
$61,500 median income
- 62672
Nilwood (62672)
$46,771 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 62640, both outside IL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (3,756 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Macoupin County
Related Areas
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.
Related
Take this with you
What to do with ZIP 62640's numbers, next.
- See how ZIP 62640 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Girard, IL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.