63645 ZIP Code — Fredericktown, MO

Madison County, Missouri

ZIP code 63645 is located in Fredericktown, Missouri, within Madison County. It covers approximately 359.29 square miles and serves a population of 11,638 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 63645

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $123,700. Owner-occupancy is high at 78%, well above the national average.

The gap between median ($52,493) and mean household income suggests income inequality — a small number of higher earners pull the average up. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 22%.

Overall, ZIP code 63645 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

11,638

population

359.29

sq mi land

Standard

ZIP type

Central (CT)

timezone

63645 ZIP code map

Cities in ZIP code 63645

Below are the cities the US Postal Service accepts for ZIP code 63645. Using any city not on this list may result in mail delivery delays.

City	Status
Fredericktown	Acceptable
Fredericktown	Preferred

Nearby ZIP codes

63655 Marquand (11.7 mi) 63640 Farmington (14.7 mi) 63662 Patton (14.9 mi) 63637 Doe Run (15.4 mi) 63620 Annapolis (17.4 mi) 63650 Ironton (18.5 mi)

Demographics updated 05/2026

Population
Total population	11,638
Population density	32 / sq mi
State FIPS	29
County FIPS	123

Geography
Land area	359.29 sq mi
Water area	2.51 sq mi
Latitude	37.5363
Longitude	-90.3297
Timezone	Central (CT)
Area code	573

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.9%	51.2%	43.8%
$50k – $100k	30.3%	31.5%	31.5%
$100k – $200k	17.0%	15.3%	19.5%
Over $200k	1.9%	2.0%	5.2%

Demographics & statistics

11,638

Population

People per sq mi

40.7

Median age

$52,493

Median household income

$31,603

Per capita income

$123,700

Median home value

$834

Median monthly rent

78.3%

Home ownership

11.6%

Poverty rate

4.6%

Unemployment

4,281

Housing units

17.9%

Bachelor's or higher

Age distribution

Male Female

309

Under 5

294

446

5–9

423

387

10–14

367

477

15–19

453

365

20–24

346

622

25–34

590

712

35–44

676

775

45–54

736

376

55–59

357

387

60–64

368

639

65–74

607

403

75–84

382

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,944	25.3%
18 and over	8,694	74.7%
65 and over	2,172	18.7%
Median age	40.7 years

Race & ethnicity

White 94.3%

Two or more races 2.4%

Black or African American 1.2%

Hispanic or Latino 1.2%

Other race 0.5%

Asian 0.3%

American Indian / Alaska Native 0.2%

Group	Count	%
White	11,105	94.3%
Two or more races	277	2.4%
Black or African American	144	1.2%
Hispanic or Latino	137	1.2%
Other race	56	0.5%
Asian	37	0.3%
American Indian / Alaska Native	19	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.9%	51.2%	43.8%
$50k – $100k	30.3%	31.5%	31.5%
$100k – $200k	17.0%	15.3%	19.5%
Over $200k	1.9%	2.0%	5.2%

Under $10k 2.3%

$10k–$15k 7.7%

$15k–$25k 8.9%

$25k–$35k 13.6%

$35k–$50k 13.4%

$50k–$75k 18.1%

$75k–$100k 14.0%

$100k–$150k 11.3%

$150k–$200k 5.0%

$200k+ 5.7%

Range	% of households
Under $10k	2.3%
$10k–$15k	7.7%
$15k–$25k	8.9%
$25k–$35k	13.6%
$35k–$50k	13.4%
$50k–$75k	18.1%
$75k–$100k	14.0%
$100k–$150k	11.3%
$150k–$200k	5.0%
$200k+	5.7%
Median income	$52,493

Housing

Home values

Under $50k 15.4%

$50k–$100k 22.8%

$100k–$150k 17.4%

$150k–$200k 15.4%

$200k–$300k 14.0%

$300k–$500k 8.8%

$500k–$1M 5.0%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$123,700
Median rent / month	$834
Owner occupied	78.3%
Renter occupied	21.7%
Vacant	19.0%
Single-family detached	74.1%
Large apartment buildings	1.2%
Mobile homes	14.4%
Median rooms	5.4
Avg household size (owned)	2.71

Year built

Era	%
2020 or later	0.5%
2010–2019	5.9%
2000–2009	12.9%
1990–1999	18.2%
1980–1989	10.4%
1970–1979	15.0%
1960–1969	8.8%
1950–1959	12.7%
1940–1949	7.0%
1939 or earlier	8.6%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	5.7%
2 bedrooms	33.6%
3 bedrooms	45.4%
4 bedrooms	7.7%
5+ bedrooms	4.6%

Vehicles per household

Vehicles	% of households
No vehicle	4.6%
1 vehicle	29.7%
2 vehicles	33.4%
3 or more	32.3%

Heating fuel

Fuel type	%
Utility gas	18.5%
Electricity	61.7%
Propane / LP gas	9.0%
Fuel oil	0.5%
Wood	10.0%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	2,377	56.5%
Cohabiting couple	212	5.0%
Male householder, no spouse	652	15.5%
Female householder, no spouse	968	23.0%
Households with children under 18	1,417	33.7%
Households with seniors (65+)	1,456	34.6%
Average household size	2.71

Marital status

Status	Male	Female
Never married	33.7%	26.1%
Married	52.7%	54.6%
Separated	0.8%	2.9%
Widowed	2.7%	8.7%
Divorced	10.1%	7.7%

Education

Less than 9th grade 2.5%

Some HS, no diploma 9.6%

HS graduate 41.0%

Some college, no degree 19.3%

Associate's degree 9.7%

Bachelor's degree 11.3%

Graduate / professional 6.6%

Metric	%
HS diploma or higher	87.9%
Bachelor's or higher	17.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	162	5.7%
Kindergarten	138	4.9%
Elementary school	1,264	44.6%
High school	867	30.6%
College / grad school	402	14.2%

Employment

Industry of employment

Education & healthcare 28.1%

Manufacturing 15.8%

Retail trade 13.9%

Construction 7.2%

Transportation & utilities 7.0%

Professional & management 6.6%

Arts, food & hospitality 6.0%

Public administration 4.5%

Other services 3.4%

Agriculture & mining 3.2%

Wholesale trade 2.6%

Finance & real estate 1.1%

Information 0.8%

Occupation

Category	%
Management, business & arts	27.0%
Service	18.6%
Sales & office	23.5%
Natural resources & construction	12.0%
Production & transportation	18.9%

Employment type

Type	%
Private sector	79.7%
Government	12.5%
Self-employed	7.4%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	78.4%
Carpool	12.4%
Public transit	0.8%
Walk	0.3%
Work from home	7.6%
Other means	0.6%
Avg commute (minutes)	25.3

Poverty

All people 11.6%

Under 18 years 14.6%

18 and over 10.6%

Married-couple families 5.7%

Female-led households 15.5%

Income support

Source	% of households
Social Security	42.6%
Retirement income	31.0%
Supplemental Security	7.6%
Cash public assistance	3.6%
Food stamps / SNAP	15.6%

Health indicators

Condition	%
Obesity	39.6%
High blood pressure	34.6%
High cholesterol	35.7%
Diabetes	11.5%
Heart disease	8.3%
Stroke	3.9%
Asthma	9.8%
Arthritis	30.9%
Kidney disease	3.4%
Pulmonary disease	10.0%
Cancer	7.5%

Behavior / access	%
Smoking	22.5%
Binge drinking	16.2%
No physical activity	29.8%
Less than 7 hrs sleep	32.6%
Depression	25.1%
Fair or poor health	18.6%
Poor mental health	16.3%
Poor physical health	13.3%
No health insurance	16.7%
Visited doctor (checkup)	75.0%
Visited dentist	56.8%
Cholesterol screening	87.6%
Teeth loss	20.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	857	9.9%

Disability	%
Any disability	22.2%
Under 18	5.0%
18–64 years	20.5%
65 and over	51.2%

Health insurance coverage

Type	%
Private insurance	59.1%
Public insurance	39.9%
No insurance	13.0%
Uninsured under 19	13.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,035	94.8%
Spanish	169	1.5%
Other Indo-European	146	1.3%
Asian & Pacific Islander	23	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,395	97.9%
Born in same state	11,301	97.1%
Born in different state	8,860	76.1%
Foreign born	94	0.8%
Naturalized citizen	243	2.1%
Not a US citizen	195	80.2%

Ancestry

Ancestry	Count	%
Arab	1,349	11.6%
French	1,268	10.9%
Italian	1,133	9.7%
English	111	1%

Ancestry	Count	%
Polish	84	0.7%
Irish	6	0.1%
Norwegian	3	0%
Dutch	1	0%

Technology access

Metric	% of households
Computer access	36.2%
Internet access	88.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 63645

What city is ZIP code 63645 in?

ZIP code 63645 is primarily assigned to Fredericktown, Missouri.

What county is ZIP code 63645 in?

ZIP code 63645 falls within Madison County, Missouri.

Does ZIP code 63645 have a large retiree population?

43% of households in ZIP code 63645 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 63645?

The median home value in ZIP code 63645 is $123,700.

Does ZIP code 63645 have a large veteran population?

10% of civilians in ZIP code 63645 are veterans, above the national average of ~7%.

What is the population of ZIP code 63645?

ZIP code 63645 has an estimated population of 11,638 residents, with a density of 32 people per square mile.

What timezone is ZIP code 63645 in?

ZIP code 63645 observes the CST timezone.