PlainZIP

Gray Summit, MO · standard

ZIP Code 63039

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

726
73/sq mi
$70,329
Median income
$183,000
Median home value
20.7%
Bachelor's or higher

The verdict

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

47th pct
household income, US ZIPs
39th pct
home value, US ZIPs
73
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 63039 against every reporting US ZIP.

ZIP code 63039 is a sparsely populated ZIP (a standard USPS delivery area) in Gray Summit, Franklin County, Missouri, home to just 726 residents across 9.9 square miles, a density of 73 people per square mile, in the Chicago time zone.

ZIP 63039 lands in the middle-income range, with a median household income of $70,329 (5% above the Missouri average), while per-capita income is $37,354. The poverty rate stands at 0.0% and the unemployment rate at 0.0%. The typical home here is valued at $183,000 (4% below the state average); renters pay a median of - monthly, and 82.4% of units are owner-occupied.

Educational attainment sits below the national norm: 20.7% of adults hold a bachelor's degree or higher, the median age is 34, and the average commute is -. A geography-based comparison follows: 7 ZIP codes within about 10 miles of 63039, plus 6 more within Franklin County, give a clearer read than the national average 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 →

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 63039, Gray Summit, 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

726

Population

9.9

Area (sq mi)

73

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 63039?

34.0

Median Age

49.5%

Male

50.5%

Female

0.0%

Foreign-Born

White 61.6%
African American 7.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 31.4%
Hispanic or Latino 0.0%

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?

$70,329

Median Household Income

+5% vs state

$37,354

Per Capita Income

0.0%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 63039 ranks nationally

Gray Summit, MO household income vs. every US ZIP code

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

$70,329 47th percentile higher than 47% 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 41.4%
Bachelor's Degree or Higher 20.7%

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

What does housing look like?

352

Total Housing Units

312

Occupied Units

40

Vacant Units

3.16

Avg Household Size

Occupancy Type

Owner 82.4%
Renter 17.6%

$183,000

Median Home Value

-4% vs state

1977

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

+53.6%

YoY Change (2021)

173

HPI Index (2000 = 100)

+73%

Total Change Since 2000

Home values in ZIP 63039 have increased 53.6% over the past year (2021). Since 2000, this ZIP has seen +73% cumulative appreciation.

Year Annual Change HPI Index
2015 -4.9% 107
2018 – 110
2020 – 113
2021 +53.6% 173

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 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 15 business establishments in ZIP 63039, employing approximately 109 people with a combined annual payroll of $5,409,000.

15

Businesses

109

Employees

$5.4M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Retail trade 4 26.7%

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 63039 vs 63055 →

ZIP 63039 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 63039 ranks #7 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 63039 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 63039 ranks #8 of 8 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
63055 Labadie, MO 2,449 2.7 mi
63089 Villa Ridge, MO 5,965 3.4 mi
63069 Pacific, MO 15,647 5.9 mi
63072 Robertsville, MO 3,194 8.8 mi
63332 Augusta, MO 1,292 7.6 mi
63073 Saint Albans, MO 301 7.8 mi
63015 Catawissa, MO 2,076 7.8 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 Gray Summit, MO Missouri

Frequently Asked Questions

What county is ZIP code 63039 in? ▼
ZIP code 63039 (Gray Summit) 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 63039? ▼
ZIP code 63039 in Gray Summit, MO has a population of 726 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 63039? ▼
The median household income in ZIP 63039 is $70,329, which is 8% below the national average of $76,288.
What is the average home value in ZIP 63039? ▼
The median home value in ZIP 63039 is $183,000, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 63039? ▼
The largest racial group in ZIP 63039 is White at 61.6%.
How many businesses are in ZIP code 63039? ▼
ZIP code 63039 has 15 business establishments employing approximately 109 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 63039? ▼
According to the FHFA House Price Index, home values in ZIP 63039 increased by 53.6% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 73%. 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 63039? ▼
In ZIP code 63039, 41.4% of residents aged 25+ have a high school diploma or higher, and 20.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 63039? ▼
In ZIP code 63039, approximately 82.4% of occupied housing units are owner-occupied and 17.6% are renter-occupied, based on Census ACS 2023 data.

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