PlainZIP

Gerald, MO · standard

ZIP Code 63037

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

3,241
15/sq mi
$50,203
Median income
$177,500
Median home value
16.7%
Bachelor's or higher

The verdict

Gerald pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

14th pct
household income, US ZIPs
37th pct
home value, US ZIPs
15
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 63037 against every reporting US ZIP.

ZIP code 63037 covers 211.8 square miles in Gerald, Franklin County, Missouri (a standard USPS delivery area), with a modest 3,241 residents on file, a density of 15 people per square mile, in the Chicago time zone.

ZIP 63037 reports a modest median household income of $50,203 (25% below the Missouri average), while per-capita income is $34,844. The poverty rate stands at 15.4% and the unemployment rate at 7.4%. Housing costs here run $177,500 for a typical home value (7% below the state average), with rent averaging $828 a month; 83.3% of homes are owner-occupied.

Educational attainment sits below the national norm: 16.7% of adults hold a bachelor's degree or higher, the median age is 52.3, and the average commute is 30 minutes. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Franklin County, letting you compare 63037 to its immediate surroundings rather than a national baseline alone.

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 63037

Top 5 sectors by establishment count in Gerald, MO

Which industries have the most business establishments in ZIP 63037.

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 63037, Gerald, MO · 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

3,241

Population

211.8

Area (sq mi)

15

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 63037?

52.3

Median Age

52.5%

Male

47.5%

Female

2.7%

Foreign-Born

White 85.1%
African American 0.1%
Asian 2.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.2%
Hispanic or Latino 6.5%

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?

$50,203

Median Household Income

-25% vs state

$34,844

Per Capita Income

15.4%

Poverty Rate

7.4%

Unemployment Rate

29.9 min

Mean Commute Time

How ZIP 63037 ranks nationally

Gerald, MO household income vs. every US ZIP code

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

$50,203 14th percentile higher than 14% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 57.8%
Bachelor's Degree or Higher 16.7%

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

What does housing look like?

1,568

Total Housing Units

1,382

Occupied Units

186

Vacant Units

2.13

Avg Household Size

Occupancy Type

Owner 83.3%
Renter 16.7%

$177,500

Median Home Value

-7% vs state

$828

Median Rent

1975

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

+24.4%

YoY Change (2024)

243

HPI Index (2000 = 100)

+143%

Total Change Since 2000

Home values in ZIP 63037 have increased 24.4% over the past year (2024). Since 2000, this ZIP has seen +143% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.9% 158
2021 +7.8% 171
2022 +10.8% 189
2023 +3.4% 195
2024 +24.4% 243

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 47 business establishments in ZIP 63037, employing approximately 878 people with a combined annual payroll of $42,265,000.

47

Businesses

878

Employees

$42.3M

Annual Payroll

6

Industry Sectors

Industry Establishments % of Total
Retail trade 9 19.1%
Manufacturing 7 14.9%
Construction 6 12.8%
Health care and social assistance 5 10.6%
Other services (except public administration) 4 8.5%
Transportation and warehousing 3 6.4%

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 63037 vs 63091 →

ZIP 63037 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 63037 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 63037 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 63037 ranks #4 of 4 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
63091 Rosebud, MO 1,264 5.8 mi
63056 Leslie, MO 2,002 5.9 mi
63068 New Haven, MO 4,909 9.8 mi

More ZIP Codes in Franklin County

63090 standard
Washington, MO
Pop: 21,524
63084 standard
Union, MO
Pop: 17,414
63069 standard
Pacific, MO
Pop: 15,647
63077 standard
Saint Clair, MO
Pop: 11,798
63089 standard
Villa Ridge, MO
Pop: 5,965
63068 standard
New Haven, MO
Pop: 4,909

Related Areas

Franklin County Gerald, MO Missouri

Frequently Asked Questions

What county is ZIP code 63037 in? ▼
ZIP code 63037 (Gerald) is located in Franklin County, Missouri. Franklin County contains multiple ZIP codes, see the full list at /counties/franklin-mo.
What is the population of ZIP code 63037? ▼
ZIP code 63037 in Gerald, MO has a population of 3,241 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 63037? ▼
The median household income in ZIP 63037 is $50,203, which is 34% below the national average of $76,288.
What is the average home value in ZIP 63037? ▼
The median home value in ZIP 63037 is $177,500, which is 36% below the national average of $278,155.
What is the demographic makeup of ZIP 63037? ▼
The largest racial group in ZIP 63037 is White at 85.1%. Hispanic or Latino residents make up 6.5% of the population.
How many businesses are in ZIP code 63037? ▼
ZIP code 63037 has 47 business establishments employing approximately 878 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 63037? ▼
The top industries by establishment count in ZIP 63037 are: Retail trade (9), Manufacturing (7), Construction (6). There are 6 industry sectors represented in total.
How have home values changed in ZIP code 63037? ▼
According to the FHFA House Price Index, home values in ZIP 63037 increased by 24.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 143%. 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 63037? ▼
In ZIP code 63037, 57.8% of residents aged 25+ have a high school diploma or higher, and 16.7% 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 63037? ▼
The mean commute time for workers in ZIP code 63037 is 29.9 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 63037? ▼
In ZIP code 63037, approximately 83.3% of occupied housing units are owner-occupied and 16.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 63037? ▼
The poverty rate in ZIP code 63037 is 15.4% 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.